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Vol. 7, Iss. 3
Aprill 11, 2018


Encore: Randy Spencer’s Open Mic

Bad Bad Leroy Brown And Insurance Coverage



Last week a California appeals court held that no coverage was owed to Leroy Brown for water damage caused by a broken pipe in his home. Apparently the insurer and court were not afraid to say no to the baddest man in the whole damn town. See Brown v. Mid-Century Ins. Co., 215 Cal. App. 4th 841 (2013).

This got me to thinking. If Leroy Brown were involved in a coverage case, then maybe other people, famous for having a part in a song, have also been involved in a coverage dispute that went so far as a reported opinion. It turns out that the answer is yes. And a lot. Look at how busy some of your favorite folks from songs have been.

Millers’ Indemnity Underwriters v. Maggie May Patten, 238 S.W. 240 (Tex. Ct. App. 1922)

Bille Jean Dowling v. Harleysville Ins. Co., 602 A.2d 871 (Pa. Super. Ct. 1992)

Rhiannon Moller v. State Farm, 566 N.W.2d 382 (Neb. 1997)

Roxanne Hicks v. Auto Club Group Ins. Co., 815 N.W.2d 473 (Mich. 2012)

Western World Ins. Co. v. Sharona Corp., 353 N.W.2d 221 (Minn. Ct. App. 1984)

Lola Ferguson v. State Farm, 2011 WL 4946349 (D. Alaska Oct. 18, 2011)

Fernando v. Chubb Group of Ins. Cos., 2012 WL 4754148 (La. Ct. App. Jan. 18, 2012)

Jimmy Corn v. Protective Life Ins. Co., 1998 WL 51783 (D. Conn. Feb. 4, 1998)

Mandy Allen v. Zurich Am. Ins. Co., 2012 WL 3061598 (W.D. Okla. July 26, 2012)

Allison v. State Farm, 266 Fed. Appx. 627 (9th Cir. Feb. 12, 2008)

Owners Ins. Co. v. Daniel, 2012 WL 6163139 (M.D.Ga. Dec. 11, 2012)

Diane Jack v. St. Paul Ins. Co., 1994 WL 14580 (Ark. Ct. App. Jan. 12, 1994) (ok, some artistic license there)

Vintage Plastics, LLC v. Mass. Bay Ins. Co., 2012 WL 1142722 (N.D. Okla. Apr. 4, 2012) (plaintiff represented by Casey & Jones) (yes, that one’s a stretch)

I disclaim all liability for any songs that get stuck in your head.



That’s my time. I’m Randy Spencer. Contact Randy Spencer at

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