Roy Seger, Petitioners v. Yorkshire Insurance Co., Ltd., and Ocean Marine Insurance Co., Ltd, Respondents

Summary

The Texas Supreme Court held that Randall Seger was a leased‑in worker, so his death was excluded from coverage under Diatom’s commercial general liability policy, and affirmed the Court of Appeals judgment that the Segers take nothing. The decision rested on a de novo review of the coverage issue and the insurer’s inability to enforce policy exclusions despite being an eligible surplus‑lines insurer.