CHEROKEE NATION v. LEXINGTON INSURANCE CO.

No. 119,359 (Comp. w/ 119,413 & 119,701).

521 P.3d 1261 (2022)

2022 OK 71

CHEROKEE NATION; Cherokee Nation Businesses, LLC; Cherokee Nation Entertainment, LLC, Plaintiffs/Appellees, v. (1) LEXINGTON INSURANCE COMPANY; (2) Certain Underwriters at Lloyd's, London Subscribing to Policy No. PJ193647: (ASC 1414, KLN 510, ATL 1861, CIN 318, TAL 1183, AGR 3268 and XL Catlin Insurance Company UK Ltd.); (3) Certain Underwriters at Lloyd's, London Subscribing to Policy No. PJ1900131: (CNP4444); (4) Underwriters at Lloyd's-Aspen Specialty Insurance Company; (5) Certain Underwriters at Lloyd's, London Subscribing to Policy No. PJ1933021: (ASC 1414, KLN 510, CIN 318, ATL 1861, CHN 2015, APL 1969, QBE 1886 and XL Catlin Insurance Company UK Ltd.); (6) Certain Underwriters at Lloyd's, London Subscribing to Policy No. PD-10363 (BRT 2987) for Cherokee Nation Entertainment, LLC; PD-10367-05 (BRT2987) for Cherokee Nation Businesses, and PD-11091-00 (BRT2987) for Cherokee Nation; (7) Certain Underwriters at Lloyd's London Subscribing to Policy No. PJ19000067: (KLN 510, TMK 1880, CNP 4444, ATL 1861, BRT 2987 and 2988, AUW 0609, TAL 1183, AUL 1274, Neon Worldwide Property Consortium 9761); (8) Homeland Insurance Company of NY (One Beacon); (9) Hallmark Specialty Insurance Company; (10) Endurance Worldwide Insurance Ltd. T/AS SOMPO International (Policy Numbers PJ1900134-A and PJ1900134-B); (11) Arch Specialty Insurance Company; (12) Evanston Insurance Company; (13) Allied World National Assurance Company; (14) Liberty Mutual Fire Insurance Company; (15) XL Insurance America, Inc.; (16) AXA/XL America, Inc.; (17) RSUI-Landmark American Insurance Company; (18) Chubb Bermuda Ltd.; (19) Underwriters at Lloyd's London; (20) ABC Insurance Companies (to be determined); Defendants/Appellants.

Supreme Court of Oklahoma.

Rehearing Denied: December 19, 2022.


Attorney(s) appearing for the Case

Michael Burrage , Reggie Whitten , Patricia Sawyer , Austin Vance , J. Renley Dennis , and Tiffani J. Shipman , Whitten Burrage, Oklahoma City, Oklahoma, for Plaintiffs/Appellees.

Bradley Beckworth and Chad E. Ihrig , Nix Patterson, LLP, Austin, Texas, for Plaintiffs/Appellees.

Sara Hill , General Counsel for Cherokee Nation, Tahlequah, Oklahoma, for Plaintiffs/Appellees.

Phil R. Richards and Joy Tate , Richards & Connor, Tulsa, Oklahoma, for Lexington Insurance Company, Defendant/Appellant.

Richard J. Doren and Matthew A. Hoffman , Gibson Dunn & Crutcher LLP, Los Angeles, California, for Lexington Insurance Company, Defendant/Appellant.

Harvey D. Ellis and Timila S. Rother , Crowe & Dunlevy, P.C., Oklahoma City, Oklahoma, for Certain Underwriters at Lloyd's, London et al. and Endurance Worldwide Insurance Ltd., Defendants/Appellants.

Amy Sherry Fischer and Larry D. Ottoway , Foliart, Huff, Ottaway & Bottom, Oklahoma City, Oklahoma, for Certain Underwriters at Lloyd's, London et al. and Endurance Worldwide Insurance Ltd., Defendants/Appellants.

Matthew P. Cardosi , Robins Kaplan LLP, Boston, Massachusetts, for Certain Underwriters at Lloyd's, London et al. and Endurance Worldwide Insurance Ltd., Defendants/Appellants.

Amy M. Churan , Robins Kaplan LLP, Los Angeles, California, for Certain Underwriters at Lloyd's, London et al. and Endurance Worldwide Insurance Ltd., Defendants/Appellants.

Jon E. Brightmire and Michael S. Linscott , Doerner, Saunders, Daniel & Anderson, L.L.P., Tulsa, Oklahoma, for Aspen Specialty Insurance Company and Aspen Insurance UK, Ltd., Defendants/Appellants.

Sara E. Potts , Doerner, Saunders, Daniel & Anderson, L.L.P., Oklahoma City, Oklahoma, for Aspen Specialty Insurance Company and Aspen Insurance UK, Ltd., Defendants/Appellants.

James C. Milton , William O'Connor , Bryan J. Nowlin , and Margo E. Shipley , Hall, Estill, Hardwick, Gable, Golden & Nelson, P.C., Tulsa, Oklahoma, for Homeland Insurance Company of NY (One Beacon), Arch Specialty Insurance Company, Allied World National Assurance Company, Liberty Mutual Fire Insurance Company, and Landmark American Insurance Company, Defendants/Appellants.

Shannon O'Malley , Kristin Cummings , and Bennett Moss , Zelle LLP, Dallas, Texas, for Homeland Insurance Company of NY (One Beacon), Arch Specialty Insurance Company, Liberty Mutual Fire Insurance Company, and Landmark American Insurance Company, Defendants/Appellants.

Jack Cadenhead , The Cadenhead Law Firm, P.C., Seminole, Oklahoma, for Allied World National Assurance Company, Defendant/Appellant.

Dustin DuBose , Mound Cotton Wollan Greengrass, LLP, Houston, Texas, for Allied World National Assurance Company, Defendant/Appellant.

Kerry R. Lewis and Dan S. Folluo , Rhodes, Hieronymus, Jones, Tucker & Gable, PLLC, Tulsa, Oklahoma, for Hallmark Specialty Insurance Company, Aspen Specialty Insurance Company, and Aspen Insurance UK, Ltd., Defendants/Appellants.

Joe M. Hampton and Johnny R. Blassingame , Hampton Barghols Pierce, PLLC, Oklahoma City, Oklahoma, for Chubb Bermuda International,3 Defendant/Appellant.

Susan Sullivan , Clyde & Co. US, LLP, Los Angeles, California, for Chubb Bermuda International, Defendant/Appellant.

Robert W. Fischer and Taylor L. Davis , Clyde & Co. US, LLP, Atlanta, Georgia, for Chubb Bermuda International, Defendant/Appellant.

Roger N. Butler, Jr. and Nathaniel T. Smith , Secrest, Hill, Butler, Secrest, Tulsa, Oklahoma, for Evanston Insurance Company, Defendant/Appellant.

C. William Threlkeld and Sterling E. Pratt , Fenton, Fenton, Smith, Reneau & Moon, Oklahoma City, Oklahoma, for XL Insurance America, Inc., Defendant/Appellant.


¶1 The COVID-19 pandemic has impacted businesses in an unprecedented way. Naturally, businesses have turned to their insurers for the economic losses they have experienced. Appellees Cherokee Nation, Cherokee Nation Businesses, LLC, and Cherokee Nation Entertainment, LLC4 (collectively, Nation) likewise...

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