S&J Logistics, Inc. v. United National Insurance Company
Opinion
Trial Court Opinion
I. FACTUAL BACKGROUND AND PROCEDURAL HISTORY
23 S&J is a trucking-for-hire business, located in Bakersfield, California. (Ex. A, Doc. 6-1 at 24 2.) On June 13, 2020, S&J procured a commercial insurance policy from United, for the one- 25 year period between June 13, 2020, and June 13, 2021. (FAC, Doc. 6 at ¶ 8; Ex. A, Doc. 6-1 at
27 1 The Court considers the exhibits attached to Plaintiff’s Complaint, including email correspondence and the insurance policy in dispute. See Beverly Oaks Physicians Surgical Ctr., LLC v. Blue Cross & Blue 2.) United named Continental as the insured party and named S&J as a member of Continental. (Doc. 6 at ¶ 9; Ex. A, Doc. 6-1 at 2.) The insurance policy contains the following relevant clauses:
G. Drivers
All drivers must meet minimum policy requirements as set forth by your policy (see attached minimum driver hiring criteria) before they are hired. All qualified drivers must be reported immediately upon hiring. Unreported drivers could cause cancellation of policies. Claims with Unscheduled Drivers will not be paid. 7 . . . .
INSURING AGREEMENTS
9 1. In consideration of the premium paid .…