US Fidelity & Guarnt v. Omnibank

IN THE UNITED STATES COURT OF APPEALS
FOR THE FIFTH CIRCUIT
No. 99-60349
GEORGIA RAMSAY, ET AL.,
Plaintiffs,
versus
OMNIBANK, ET AL.,
Defendants.
OMNIBANK,
Defendant - Third Party Plaintiff - Appellee,
versus
UNITED STATES FIDELITY AND GUARANTY CO.,
Third Party Defendant - Appellant.
Appeal from the United States District Court
For the Southern District of Mississippi
June 6, 2002
Before REYNALDO G. GARZA, HIGGINBOTHAM, and BENAVIDES, Circuit
Judges.
PER CURIAM:
In this case we certified a question to the Supreme Court of
Mississippi, asking:
Whether an insurer’s duty to defend under a general
commercial liability policy for injuries caused by
accidents extends, under Mississippi law, to injuries
unintended by the insured but which resulted from

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1 Ramsay v. Omnibank, 215 F.3d 502, 504 (5th Cir. 2000).
2 Id. at 502-03.
3 United States Fidelity & Guar. Co. v. Omnibank, 812 So.2d
196, 197-98 (Miss. 2002).
4 Id. at 202.
2
intentional actions of the insured if those actions were
negligent but not intentionally tortious.1
The details of the case are set out both in our certification2 and
the Mississippi Supreme Court’s answer.3 Since it is now clear
that, under Mississippi law, United States Fidelity & Guaranty Co.
had no duty to defend Omnibank from the underlying suit,4 we must
REVERSE and REMAND for entry of summary judgment in favor of USF&G.
REVERSED and REMANDED.

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