Richard K. Ehrlich v. State Farm Fire and Casualty Company Travelers Insurance Companies

78 F.3d 592 NOTICE: Ninth Circuit Rule 36-3 provides that dispositions other than opinions or orders designated for publication are not precedential and should not be cited except when relevant under the doctrines of law of the case, res judicata, or collateral estoppel. Richard K. EHRLICH, Plaintiff-Appellant, v. STATE FARM FIRE AND CASUALTY COMPANY; Travelers Insurance Companies, Defendants-Appellees. No. 94-55481. United States Court of Appeals, Ninth Circuit. Argued and Submitted Sept. 14, 1995. Decided Feb. 26, 1996. Before: BROWNING, PREGERSON, Circuit Judges, and TANNER, District Judge. * MEMORANDUM ** Plaintiff Richard K. Ehrlich ("Ehrlich") appeals the district court's grant of summary judgment in favor of defendant State Farm Fire and Casualty Company ("State Farm"). The district court found no coverage under the terms of an umbrella policy issued to Ehrlich by State Farm. The umbrella policy provides two kinds of insurance coverage: excess insurance, covering any claims made against Ehrlich in excess of $1 million and primary or "drop-down" coverage for claims not covered by an underlying general liability policy ("underlying policy") in excess of $10,000. Ehrlich…