An excess carrier disclaimed coverage entirely on an $8.14 million restaurant liability judgment – now the underlying insurer is suing for nearly $3.9 million.
Trisura Specialty Insurance Company filed the action against Navigators Specialty Insurance Company on April 8, 2026, in the United States District Court for the Southern District of Florida (Case No. 0:26-cv-61016). The case traces back to a slip-and-fall at a Sunshine Restaurant Holdings location in Broward County, Florida – a single incident that ballooned into a multimillion-dollar fight between two insurers over who should have paid.
Sunshine, a Florida-based restaurant operator, carried a layered insurance program: $6 million in combined primary and excess coverage through Trisura, with an additional $5 million excess umbrella policy through Navigators. That Navigators policy expressly identified the Trisura coverage as underlying insurance…