Echo & Rig Sacramento, LLC v. AmGuard Ins. Co.

UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF CALIFORNIA 10 ECHO & RIG SACRAMENTO, LLC, No. 2:23-cv-00197-DJC-JDP individually and on behalf of all others similarly situated, Plaintiff, ORDER

v.

AMGUARD INSURANCE COMPANY, Defendant. 17 The present case concerns the fairness of an insurance company collecting pre- COVID-19 premium rates from restaurants and other businesses during the COVID-19 pandemic, despite the businesses being closed or operating at a limited capacity for much of 2020. Plaintiff Echo & Rig, a restaurant in Sacramento, California, brings claims on behalf of itself and others similarly situated alleging that Defendant AmGuard Insurance Company was unjustly enriched by retaining a rate of return that was excessive compared to the businesses’ reduced risk exposure, and that Defendant’s failure to refund or reassess the businesses’ insurance rates was an unfair business practice in violation of the California Unfair Competition Law (“UCL”). Defendant has moved to dismiss…