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Philadelphia Indemnity Insurance Co. v. Maryland Yacht Club12/10/1999
ms or satisfy judgments. It also includes the payment of reasonable legal fees and expenses incurred in the defense. Coverage B provides that PIIC will pay the Club any Loss it suffers associated with legally mandated indemnification. A "Claim" is "a demand for money, services or any judicial or administrative proceeding" brought against the Officers or the Club.
The trial court did not, as appellant contends, ignore the phrase "in connection with claims," which language appears in the exclusion's introduction. Indeed, the lower court was clearly cognizant of the Policy's terms. In its opinion, the court stated: " he loss for which Bock sought recovery in his wrongful discharge action against [the Club] was not the personal injury that he sustained to his leg. . . . Rather, the loss for which Bock was seeking damages was the loss of his job ." Arguably, it would have been clearer if the court had used the word "claim" in its analysis, rather than the term "loss." The court's meaning was nonetheless evident, and we will not allow semantics to invalidate the court's well-reasoned opinion. A slight rephrasing would result in the following: "The claim Bock initiated against the Club was not a personal injury claim. Rather, the claim was for wrongful discharge."
In sum, the result in this case was legally correct. Therefore, we shall affirm.
JUDGMENT OF THE CIRCUIT COURT FOR BALTIMORE COUNTY AFFIRMED. COSTS TO BE PAID BY APPELLANT.
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