Leticia Morales, Appellants v. Zenith Insurance Company, Appellee

Summary

The court held that the estate had standing to sue Zenith directly after obtaining a judgment against Zenith’s insured employer. It nevertheless held that the employer-liability policy’s workers’ compensation exclusion barred coverage because the underlying death was within the exclusive scope of workers’ compensation law, and that the settlement release independently prevented collection from Zenith. The court answered all three certified questions affirmatively and returned the case to the Eleventh Circuit.