International Special Events & Recreation Ass'n v. Bellina

PALMER, J. International Special Events and Recreation Association, Inc. (ISERA), Prime In *139 surance Company (Prime), and Certain Underwriters at Lloyd’s London Subscribing to Policy1 Number LAP0334 (Underwriters) (collectively, Insurers), filed a petition seeking a writ of certiorari quashing the disposition portion of the circuit court’s order which addressed their respective motions to dismiss the complaint for declaratory relief filed by Respondent, Matthew Behind (Beilina). We grant the petition and quash the disposition portion of the trial court’s order. Beilina filed a personal injury lawsuit against Surf Slide, contending that he was injured, in part, as a result of Surf Slide’s negligence. While that suit was pending, Beilina filed a Complaint for Declaratory Relief alleging, in pertinent part, that: [a]s a third party beneficiary under the [Insurance] Policy [issued by Insurers to Surf Slide], Matthew Beilina is entitled to bring this action in this Court, to obtain a judicial declaration resolving the question whether the [Insurance] Policy issued by the [Insurers] to Surf Slide provides coverage to Surf Slide for Matthew Beilina's bodily injury claim and suit against Surf Slide. The complaint acknowledged the existence of Florida’s Nonjoinder Statute, section 627.4136,Florida Statutes (2016), which provides, in pertinent part: 627.4136.Nonjoinder of Insurers (1) It shah be a condition precedent to the accrual or maintenance of a cause of action against a liability insurer by a person not an insured under the terms of the liability insurance contract that such person shall first obtain a settlement or verdict against a person who is an insured under the terms of such policy for a cause of action which is covered by such policy. (2) ... No person who is not an insured under .the terms of a liability insurance policy shall have any interest in such policy, either as a third-party beneficiary or otherwise, prior to first obtaining a settlement or verdict against a person who is an insured under, the terms of such policy for a cause of action which is covered by such policy. However, the complaint averred that sec-tibn 627.4136 did not apply to the instant law suit because Insurers are surplus lines insurers governed by section 626.913(4) of the Florida Statutes (2016). That statute provides: 626.913 Surplus Lines Law; short title; purposes [[Image here]] (4) Except as may be specifically stated to apply to surplus lines insurers, the provisions of chapter 627 do not apply to surplus lines insurance ... Insurers filed motions to dismiss the complaint, arguing that Beilina-had no right or standing' to file a suit raising insurance coverage issues given his failure to comply with the presuit requirements of section 627.4136.Upon review, the trial court correctly held that the language of section 627.4136 is sufficiently specific to apply to actions brought against surplus lines insurers pursuant to section 626.913(4) and, as such, Beilina must comply with the conditions precedent of section 627.4136(1) before he can pursue an action against Insurers. Yet, instead of granting Insurers’ motions to dismiss, the court denied the motions and abated/stayed Beilina’s action pending his compliance with section 627.4136(1). Insurers filed a petition for writ of certiorari, seeking to quash the disposition portion of the trial court’s order, arguing that the disposition should have been dismissal. Wé agree. Generally, a party may not obtain a writ of certiorari to quash an order .de- . nying a motion to dismiss. See Universal *140 Sec. Ins. Co. v. Spreadbury, 524 So.2d 1167, 1167 (Fla. 2d DCA 1988). But where an insurer asserts that the pre-suit requirements of section 627.4136 have not been met, certiorari review is appropriate. See id.; Cincinnati Ins. Co. v. Moffett, 513 So.2d 1345, 1346 (Fla. 1st DCA 1987). We believe that the irreparable harm in such cases arises from the fact that an insurer is being forced to litigate an action brought by a third-party plaintiff which would be barred if, in fact, the requirements of section 627.4136 have not been met. S. Owners Ins. Co. v. Mathieu, 67 So.3d 1156, 1157-58 (Fla. 2d DCA 2011). Accordingly, we grant the petition and remand this matter for the entry of a dismissal order. Petition GRANTED; Trial Court Order QUASHED in part; Cause REMANDED. COHEN, C.J. and LAMBERT, J., concur.