E-FILED IN COUNTY CLERK'S OFFICE PIERCE COUNTY, WASHINGTON May 17 2021 4:14 PM 1 KEVIN STOCK COUNTY CLERK 2 NO: 21-2-05894-1 3 4 5 6 7 IN THE SUPERIOR COURT OF THE STATE OF WASHINGTON 8 FOR THE COUNTY OF PIERCE 9 PACIFIC LUTHERAN UNIVERSITY, a No. Washington non-profit corporation, THE 10 UNIVERSITY OF PUGET SOUND, a EIIA MEMBERS’ COMPLAINT Washington non-profit corporation, 11 WHITWORTH UNIVERSITY, a Washington non-profit corporation, 1. DECLARATORY JUDGMENT 12 ALBION COLLEGE, a Michigan non-profit corporation, ALBRIGHT COLLEGE, a 2. BREACH OF CONTRACT 13 Pennsylvania non-profit corporation, ALMA COLLEGE, a Michigan non-profit 14 corporation, ARCADIA UNIVERSITY, a Pennsylvania non-profit corporation, 15 AUGSBURG UNIVERSITY, a Minnesota non-profit corporation, AUGUSTANA 16 COLLEGE, an Illinois non-profit corporation, BENNETT COLLEGE, a North 17 Carolina non-profit corporation, CALIFORNIA LUTHERAN 18 UNIVERSITY, a California non-profit corporation, CAPITAL UNIVERSITY, an 19 Ohio non-profit corporation, CLAFLIN UNIVERSITY, a South Carolina non-profit 20 corporation, CONCORDIA COLLEGE CORPORATION, a Minnesota non-profit 21 corporation, CORNELL COLLEGE, an Iowa non-profit corporation, DENISON 22 UNIVERSITY, an Ohio non-profit corporation, DEPAUW UNIVERSITY, an 23 Indiana non-profit corporation, DOMINICAN UNIVERSITY OF 24 CALIFORNIA, a California non-profit corporation, DREW UNIVERSITY, a New 25 Jersey non-profit corporation, UNIVERSITY OF EVANSVILLE, an 26 Indiana non-profit corporation, FURMAN UNIVERSITY, a South Carolina non-profit EIIA MEMBERS’ COMPLAINT - 1 Tanenbaum Keale, LLP One Convention Place 701 Pike Street, Suite 1575 Seattle WA 98101 (206) 889-5150 1 corporation, GREENSBORO COLLEGE, a North Carolina non-profit corporation, 2 HUSTON-TILLOTSON UNIVERSITY, a Texas non-profit corporation, ILLINOIS 3 WESLEYAN UNIVERSITY, an Illinois non-profit corporation, KENYON 4 COLLEGE, an Ohio non-profit corporation, LAGRANGE COLLEGE, a Georgia non- 5 profit corporation, LAKE FOREST COLLEGE, an Illinois non-profit 6 corporation, UNIVERSITY OF LYNCHBURG, a Virginia non-profit 7 corporation, LYON COLLEGE, an Arkansas non-profit corporation, 8 MCKENDREE UNIVERSITY, an Illinois non-profit corporation, MCMURRY 9 UNIVERSITY, a Texas non-profit corporation, MILLS COLLEGE, a 10 California non-profit corporation, MILLSAPS COLLEGE, a Mississippi non- 11 profit corporation, MONTREAT COLLEGE, a North Carolina non-profit 12 corporation, OHIO NORTHERN UNIVERSITY, an Ohio non-profit 13 corporation, OHIO WESLEYAN UNIVERSITY, an Ohio non-profit 14 corporation, PRINCETON THEOLOGICAL SEMINARY, a New 15 Jersey non-profit corporation, THE TRUSTEES OF ROANOKE COLLEGE, a 16 Virginia non-profit corporation, ROLLINS COLLEGE, a Florida non-profit 17 corporation, ROSE-HULMAN INSTITUTE OF TECHNOLOGY, an Indiana non-profit 18 corporation, SCHREINER UNIVERSITY, a Texas non-profit corporation, SHAW 19 UNIVERSITY, a North Carolina non-profit corporation, SHENANDOAH 20 UNIVERSITY, a Virginia non-profit corporation, SIMPSON COLLEGE, an Iowa 21 non-profit corporation, SPARTANBURG METHODIST COLLEGE, a South Carolina 22 non-profit corporation, ST. OLAF COLLEGE, a Minnesota non-profit 23 corporation, THIEL COLLEGE, a Pennsylvania non-profit corporation, 24 TRINITY UNIVERSITY, a Texas non- profit corporation, UNION COLLEGE, a 25 Kentucky non-profit corporation, THE LUTHERAN UNIVERSITY 26 ASSOCIATION, INC. dba VALPARAISO UNIVERSITY, an Indiana non-profit EIIA MEMBERS’ COMPLAINT - 2 Tanenbaum Keale, LLP One Convention Place 701 Pike Street, Suite 1575 Seattle WA 98101 (206) 889-5150 1 corporation, WAGNER COLLEGE, a New York non-profit corporation, WESLEY 2 THEOLOGICAL SEMINARY, a Maryland non-profit corporation, TRUSTEES OF 3 WHEATON COLLEGE, an Illinois special charter corporation, WILEY COLLEGE, a 4 Texas non-profit corporation, WILLIAM PEACE UNIVERSITY, a North Carolina 5 non-profit corporation, WILSON COLLEGE, a Pennsylvania non-profit 6 corporation, WOFFORD COLLEGE, a South Carolina non-profit corporation, THE 7 COLLEGE OF WOOSTER, an Ohio non- profit corporation, 8 Plaintiffs, 9 v. 10 CERTAIN UNDERWRITERS AT 11 LLOYD’S LONDON SUBSCRIBING TO POLICY NUMBER W2205F200301 12 EFFECTIVE MARCH 1, 2020 TO MARCH 1, 2021; CERTAIN UNDERWRITERS AT 13 LLOYD’S LONDON SUBSCRIBING TO POLICY NUMBER B080110908U20 14 EFFECTIVE MARCH 1, 2020 TO MARCH 1, 2021, GUIDEONE NATIONAL 15 INSURANCE COMPANY, an Iowa corporation, COLONY INSURANCE 16 COMPANY, a Virginia corporation. ACE AMERICAN INSURANCE COMPANY, a 17 Pennsylvania corporation, STARR SURPLUS LINES INSURANCE 18 COMPANY, a Texas corporation, ARCH SPECIALTY INSURANCE COMPANY, a 19 Missouri corporation, EVANSTON INSURANCE COMPANY, a Illinois 20 corporation, ATEGRITY SPECIALTY INSURANCE COMPANY, a Delaware 21 corporation, HDI GLOBAL INSURANCE COMPANY, an Illinois corporation, 22 WESTPORT INSURANCE CORPORATION, a Missouri corporation, 23 TOKIO MARINE AMERICA INSURANCE COMPANY, a New York 24 corporation, ENDURANCE AMERICAN SPECIALTY INSURANCE COMPANY, a 25 Delaware corporation, THE PRINCETON EXCESS AND SURPLUS LINES 26 INSURANCE COMPANY, a Delaware corporation, MITSUI SUMITOMO EIIA MEMBERS’ COMPLAINT - 3 Tanenbaum Keale, LLP One Convention Place 701 Pike Street, Suite 1575 Seattle WA 98101 (206) 889-5150 1 INSURANCE COMPANY OF AMERICA, a New York corporation, HOMELAND 2 INSURANCE COMPANY OF NEW YORK, a New York corporation, and DOES 3 1 through 50, inclusive, 4 Defendants. 5 6 Plaintiffs Pacific Lutheran University (“Pacific Lutheran”), The University of Puget Sound 7 (“Puget Sound”), Whitworth University (“Whitworth”), Albion College (“Albion”), Albright 8 College (“Albright”), Alma College (“Alma”), Arcadia University (“Arcadia”), Augsburg 9 University (“Augsburg”), Augustana College (“Augustana”), Bennett College (“Bennett”), 10 California Lutheran University (“California Lutheran”), Capital University (“Capital”), Claflin 11 University (“Claflin”), Concordia College Corporation (“Concordia”), Cornell College 12 (“Cornell”), Denison University (“Denison”), DePauw University (“DePauw”), Dominican 13 University of California (“Dominican”), Drew University (“Drew”), University of Evansville 14 (“Evansville”), Furman University (“Furman”), Greensboro College (“Greensboro”), Huston- 15 Tillotson University (“Huston-Tillotson”), Illinois Wesleyan University (“IWU”), Kenyon 16 College (“Kenyon”), LaGrange College (“LaGrange”), Lake Forest College (“Lake Forest”), 17 University of Lynchburg (“Lynchburg”), Lyon College (“Lyon”), McKendree University 18 (“McKendree”), McMurry University (“McMurry”), Mills College (“Mills”), Millsaps College 19 (“Millsaps”), Montreat College (“Montreat”), Ohio Northern University (“ONU”), Ohio Wesleyan 20 University (“OWU”), Princeton Theological Seminary (“Princeton Theological”), The Trustees of 21 Roanoke College (“Roanoke”), Rollins College (“Rollins”), Rose-Hulman Institute of Technology 22 (“Rose-Hulman”), Schreiner University (“Schreiner”), Shaw University (“Shaw”), Shenandoah 23 University (“Shenandoah”), Simpson College (“Simpson”), Spartanburg Methodist College, St. 24 Olaf College (“St. Olaf”), Thiel College (“Thiel”), Trinity University (“Trinity”), Union College 25 (“Union”), The Lutheran University Association, Inc. dba Valparaiso University (“Valparaiso”), 26 Wagner College (“Wagner”), Wesley Theological Seminary (“Wesley”), Trustees of Wheaton EIIA MEMBERS’ COMPLAINT - 4 Tanenbaum Keale, LLP One Convention Place 701 Pike Street, Suite 1575 Seattle WA 98101 (206) 889-5150 1 College (“Wheaton”), Wiley College (“Wiley”), William Peace University (“William Peace”), 2 Wilson College (“Wilson”), Wofford College (“Wofford”), and The College of Wooster 3 (“Wooster”) (collectively, the “EIIA Members” or “Plaintiffs”) by and through the undersigned 4 attorneys, for their complaint against Defendants Certain Underwriters at Lloyd’s London 5 Subscribing to Policy Number W2205F200301 (“Beazley”),1 GuideOne National Insurance 6 Company (“GuideOne”), Colony Insurance Company (“Colony”), ACE American Insurance 7 Company (“ACE”), Starr Surplus Lines Insurance Company (“Starr”), Arch Specialty Insurance 8 Company (“Arch), Evanston Insurance Company (“Evanston”), Certain Underwriters at Lloyd’s 9 London Subscribing to Policy Number B080110908U20,2 Ategrity Specialty Insurance Company 10 (“Ategrity”), HDI Global Insurance Company (“HDI”), Westport Insurance Corporation 11 (“Westport”), Tokio Marine America Insurance Company (“Tokio Marine”), Endurance American 12 Specialty Insurance Company (“Endurance”), The Princeton Excess And Surplus Lines Insurance 13 Company (“Princeton”), Mitsui Sumitomo Insurance Company Of America (“Mitsui”), and 14 Homeland Insurance Company Of New York (“Homeland”) (collectively, the “Defendant 15 Insurers” or “Insurers”), allege as follows based on personal knowledge and information and 16 belief: 17 18 I. INTRODUCTION 19 1. This action arises out of the Defendant Insurers’ refusal to acknowledge coverage 20 for the EIIA Members’ losses arising from the SARS-CoV-2 virus (the “Coronavirus”) and the 21 disease that it causes, Coronavirus Disease 2019 (“COVID-19”). 22 23 1 Made up of Lloyd’s Underwriter Syndicate No. 2623 (82%) and Lloyd’s Underwriter Syndicate No. 623 (18%). 2 With respect to the excess layer $40M x $10M: Lloyd’s Underwriter Syndicate No. 1414 ASC (5%), Lloyd’s 24 Underwriter Syndicate No. 2988 BRIT (0.75%), Lloyd’s Underwriter Syndicate No. 2987 BRIT (5.75%), Lloyd’s Underwriter Syndicate No. 1967 WRB (8%), Lloyd’s Underwriter Syndicate No. 2015 CHN (4%), Lloyd’s 25