A carrier is asking a court to free it from a $13 million injury claim against its own agency client – all over one exclusion.
The Cincinnati Insurance Company filed a declaratory judgment complaint on July 22, 2026, in federal court in Nebraska, asking a judge to rule that it owes no coverage to Ellerbrock-Norris Agency, Inc. The Nebraska agency sells insurance and also describes itself as a “holistic risk management” agency, and that second line of business is what the dispute is about.
According to the complaint, the agency runs a paid program called the “ENCORE Safety Network” that offers workplace-safety consulting to construction contractors. In August 2024, a general contractor, Scribner Enterprises, Inc., signed up for the “Bronze Tier” package, described in the filing as a quarterly-fee membership…