Opinion
No. 07 C 0522.
October 22, 2008
MEMORANDUM ORDER AND OPINION
Presently before us is Plaintiff LM Insurance Corporation's ("LM") Motion for Partial Summary Judgment against Defendant Midwest Insurance Agency, Inc. ("Midwest"). LM alleges that Midwest negligently failed to perform its obligations as an insurance producer and misrepresented and omitted certain facts to LM pertinent to a workers' compensation policy it managed for Midwest's client, Defendant Paycenter, Inc. ("Paycenter"). LM seeks a judgment against Midwest for Counts 14 and 15 of the Amended Complaint, in the amount of $2,895,082. For the reasons set forth below, we deny the motion.
SUMMARY OF FACTS
Unless otherwise noted, the facts described herein are undisputed. Where the parties dispute the phrasing of a particular Statement of Fact, we shall rely on the documentary evidence to the extent appropriate.
LM is an Iowa corporation authorized to engage in the insurance industry here in Illinois. (Pl.'s Facts ¶ 1.) Although Paycenter allegedly started out as a specialized temp agency, at some point it began functioning as an employee leasing company, or professional employer organization ("PEO"). ( Id. ¶ 13; Def.'s Facts ¶ 2-3.) PEOs provide human resources-related services for their client companies. (Pl.'s Facts ¶ 13.) Defendant Louis J. Quilici ("Quilici, Jr.") was the president of Paycenter. (Def.'s Facts ¶ 3.) Prior to forming Paycenter, Quilici, Jr. and his family members (though perhaps in varying combinations) owned and ran other PEOs, Employee Management Corporation ("EMCO") and Employee Management Corporation of Illinois ("EMCO-IL"). (Pl.'s Facts ¶ 15.)
A. Midwest's Involvement in the Insurance Application Process
On or about April 16, 2004, Paycenter applied for workers' compensation insurance through the Illinois Assigned Risk Plan ("the Plan"). ( Id. ¶ 18.) Under the Plan, an employer is ineligible for coverage if it "has an outstanding workers compensation insurance premium obligation or other monetary policy obligation . . . that is not subject to a bona fide dispute." (Pl.'s Facts, Ex. 29 at P 4406; see also Pl.'s Facts ¶ 33.) "Employer" is defined by the Plan to include the insurance-seeking entity and "any business organizations or enterprises that are affiliated as a result of common management or ownership." (Pl.'s Facts, Ex. 29 at P 4404.)
By way of background, and according to the Complaint, the Plan "is a set of rules governing the assignment, administration, and issuance of policies written for eligible employers." (Compl. ¶ 20.) "In Illinois, the National Council on Compensation Insurance, Inc. (`NCII') is the administrator of the plan," which obtains insurance on behalf of employer-applicants who are unable to purchase it through the voluntary market. ( Id. ¶¶ 19-20.)
Midwest's account manager, Lucy Podgers, obtained information about Paycenter and prepared its insurance application. ( Id. ¶¶ 20-21.) As a result, and through the Plan's operation, LM issued a workers' compensation insurance policy (#WC5-34S-371817-014) to Paycenter, valid from April 18, 2004 through April 16, 2005 ("the Paycenter Policy"). ( Id. ¶ 19.) William Blackwell, a co-owner of Midwest, acted as the producer for the Paycenter Policy. ( Id. ¶ 1.) In the application, Midwest indicated that Paycenter is not "related through common management or ownership to any entity not listed [thereon], whether coverage is required or not." ( Id. ¶ 28.) Midwest made this representation despite the fact that Paycenter, EMCO and EMCO-IL "were owned variously by Quilici family members" and not mentioned on the application. (Def.'s Resp. to Pl.'s Facts ¶ 29.) According to his deposition testimony, Blackwell did not explore the relationship between EMCO and Paycenter when processing the Paycenter insurance application. (Pl.'s Facts, Ex. 16, Blackwell Dep. at 221-24; see Pl.'s Facts ¶ 30.) In other words, he did not conduct any investigation into whether the two might be considered related entities under the Plan's terms. (Pl.'s Facts ¶ 31; see Pl.'s Facts, Ex. 16, Blackwell Dep. at 223-24.) On January 31, 2005, NCCI ruled that Paycenter was related to EMCO and EMCO-IL, along with other companies owned by Quilici family members. (Pl.'s Facts ¶ 34; Def.'s Facts ¶ 16.) This ruling provided for increased modification factors for all affected companies. (Def.'s Facts ¶ 16.)
LM contends that "[t]echnically, LM does not issue the policy, NCCI does, and assigns . . . the risk to LM." (Pl.'s Resp. to Def.'s Facts ¶ 19.) Mindful of this potential but non-material discrepancy, we will refer to LM as the issuer for simplicity's sake.
The parties dispute whether Blackwell executed the signature appearing on the "Producer's Certification" section of the insurance application, which requires the producer to certify the truth of the information contained therein. (Def.'s Resp. to Pl.'s Facts ¶ 32.)
Midwest contends that LM internal investigators were on notice, as of July 2004, that Paycenter might be related to other Quilici-owned companies, particularly EMCO. (Def.'s Facts ¶¶ 14-15.) In support, Midwest cites generally to the deposition of a Liberty Mutual senior underwriter, Joy Holubets, and refers to an email written by Paul Holtrup, a Senior Forensic Consultant for LM. ( Id.) Midwest's reference to an entire deposition transcript is inappropriate, particularly when the testimony therein does not support the factual assertion. See, e.g., Gates v. Caterpillar, Inc., 513 F.3d 680, 688 (7th Cir. 2008) (observing that summary judgment litigants must assist the court with citations because "[j]udges are not like pigs, hunting for truffles buried in" the record); Ammons v. Aramark Uniform Servs., Inc., 368 F.3d 809, 817 (7th Cir. 2004) (noting that the court need not scour the record "for facts that a party could have easily identified with greater particularity").
Nonetheless, our review of the record indicates that Midwest should have referred to its Exhibit 7, which contains the Holtrup email at issue. (Def.'s Facts ¶ 14.) That email indicates that as of May 21, 2004, LM employees were aware that Louis Quilici presented a new insurance application under a new business name, and LM arranged for an audit within a few weeks. (Def.'s Facts, Ex. 7 at P 78.) We have not found support for Midwest's Statement of Fact ¶ 15.
In addition to his role as insurance producer, Blackwell also referred clients to Quilici-owned PEOs, including Paycenter, for compensation — although the parties dispute whether or not he did so in his capacity as co-owner and/or employee of Midwest. (Def.'s Resp. to Pl.'s Facts ¶ 23; see Pl.'s Facts, Ex. 11 at 3-4.) Throughout 2004, for example, Louis I. Quilici ("Quilici, Sr."), father of Quilici, Jr., paid Blackwell a commission of $5,000 per week, representing one-half of one percent of the gross payroll of EMCO clients referred by Blackwell, and pursuant to an agreement reached between Blackwell and EMCO in 2003. (Pl.'s Facts ¶ 24 Ex. 9, Midwest's 2d. Am. Ans. to Pl.'s 2d Set of Interrogs. ¶ 3.) Quilici, Sr. testified that he met Blackwell through his son. ( Id. ¶ 25.) On at least one occasion, Blackwell visited Quilici, Jr. at the Rockford, Illinois offices of EMCO and EMCO-IL. ( Id. ¶ 26.) An EMCO employee testified that she performed work for Paycenter, EMCO and EMCO-IL at that Rockford office. (Def.'s Resp. to Pl.'s Facts ¶ 17.)
Although Midwest contends that contrary evidence exists, it failed to properly cite to any such authority in the record. ( Compare Def.'s Resp. to Pl.'s Facts ¶ 25 with Pl.'s Facts, Ex. 16, Blackwell Dep. at 41.)
B. Midwest's Management of the Paycenter Policy
Pursuant to the Plan, Midwest and Blackwell had continuing obligations to LM after the Paycenter Policy was in place. (Pl.'s Facts ¶¶ 35, 44-45, 50.) First, the insurance producer must report "immediately to the assigned carrier all known changes in the employer's name, operations, ownership status, exposures, locations, financial condition or other changes which may affect the policy or the services being provided." (Pl.'s Facts, Ex. 29 at P 4439.) Relatedly, the producer shall keep the "policy up to date by promptly requesting endorsements as required." ( Id.; see Pl.'s Facts ¶¶ 43-45, 50.) Midwest's Blackwell acknowledged that the Plan requires the producer "to report changes in exposure to the insurance company." (Pl.'s Facts, Ex. 16, Blackwell Dep. at 18.) Such changes include changes to employee classification codes and payroll. ( Id. at 18-19.) The insurance company needs this information to calculate its exposure, which is then used to set appropriate premium rates. (Pl.'s Facts ¶¶ 38-39.) When additional coverage is requested and endorsed on a policy, the insurance company would increase the premium charges for that coverage. ( Id. ¶ 40.)
With one exception, Midwest concedes that it did not disclose or report changes in exposure that might affect the Paycenter Policy or its premiums to LM. (Def.'s Resp. to Pl.'s Facts ¶ 41; see Pl.'s Facts ¶ 42 Ex. 1 at 1-2; Reply at 2-4.) Midwest admits that "[it] submitted only one Policy Change Request to notify LM of a change in exposure on the Paycenter Policy." (Def.'s Resp. to Pl.'s Facts ¶ 51.) In that instance, dated June 28, 2004, Midwest notified LM that Paycenter had a new classification of employees and additional payroll, and in response, LM issued an endorsement and increased the premium. (Pl.'s Facts ¶ 52.)
On May 25, 2004, Midwest faxed information to LM representing that Paycenter had a total payroll exposure of $33,000 and no clients. (Def.'s Facts, Ex. 2.) This information seems relevant to the insurance application, however, rather than a subsequent change in exposure. ( See Reply at 3-4.)
Second, the Plan provides that the insurance producer may not issue a certificate of workers compensation insurance ("COI") unless certain conditions exist, including that "the servicing carrier is provided with a copy of each certificate." (Pl.'s Facts, Ex. 29 at P 4481-82.) Midwest acknowledges that it did not provide LM with copies of all COIs that it printed to evidence Paycenter's insurance coverage. (Def.'s Facts ¶ 7.) It specifically admits that it did not give LM a copy of a COI issued on August 9, 2004 for one of Paycenter's new clients, JK Steel. (Pl.'s Facts ¶¶ 63-64.)
Nonetheless, Midwest claims — and LM disputes — that this conduct conformed with industry standards. (Def.'s Facts ¶ 7; see Pl.'s Resp. to Def.'s Facts ¶ 7; Pl.'s Facts, Ex. 24, Deposition of William D. Hager, at 12-14.) According to Midwest's vice president and operations manager, Barton DeGraaf, the insurance producer provides copies of COIs only if the policy has changed, and the insured is responsible to inform the carrier of changes in exposure. (Pl.'s Facts ¶ 39 Ex. 18, DeGraaf Dep. at 53-60.) DeGraaf, however, also testified that he was not aware of any requirements under the Plan concerning when COIs could be issued. (Pl.'s Facts, Ex. 18, DeGraaf Dep. at 56.) He further stated that Midwest has a "very limited" amount of business under the Plan, as opposed to business through the voluntary insurance market. ( Id. at 32.)
LM conducted two audits of Paycenter during the life of the Paycenter Policy, on July 12, 2004 and again on November 19, 2004. (Pl.'s Resp. to Def.'s Facts ¶¶ 17-18; see Def.'s Facts, Exs. 13-14.) On both occasions, Quilici, Jr. met with LM auditors but produced no records for their review. (Def.'s Facts, Exs. 13-14.) Paul Holtrup, a Senior Forensic Consultant for LM, testified that while LM auditors ask policyholders for a variety of information during an audit (including payroll records, contracts, and invoices), they do not independently verify the accuracy of the documents provided by the insured. (Def.'s Facts, Ex. 4, at 46-48, 59-62.) Rather, LM auditors assume the records produced are accurate and use them to calculate premiums. ( Id. at 61-62.)
STANDARD OF REVIEW
Summary judgment is proper only when "there is no genuine issue as to any material fact and the moving party is entitled to a judgment as a matter of law." Fed R. Civ. P. 56(c). A genuine issue for trial exists when "the evidence is such that a reasonable jury could return a verdict for the nonmoving party." Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248, 106 S. Ct. 2505, 2510 (1986). This standard places the initial burden on the moving party to identify "those portions of the pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits, if any, which it believes demonstrate the absence of a genuine issue of material fact." Celotex Corp. v. Catrett, 477 U.S. 317, 323, 106 S. Ct. 2548, 2553 (1986) (internal quotations omitted). Once the moving party meets this burden of production, the nonmoving party "may not rest upon the mere allegations or denials of the adverse party's pleading" but rather "must set forth specific facts showing that there is a genuine issue [of material fact] for trial." Fed.R.Civ.P. 56(e). In deciding whether summary judgment is appropriate, we must accept the nonmoving party's evidence as true, and draw all inferences in that party's favor. See Anderson, 477 U.S. at 255.
ANALYSIS
A. Negligent Misrepresentation
To succeed on a claim for negligent misrepresentation under Illinois law, a plaintiff must prove: (1) "a false statement of material fact" or omission thereof; (2) "intention to induce the other party to act;" (3) "action by the other party in reliance on the truth of the statement;"(4) "damage to the other party resulting from such reliance;" (5) "the defendant's own carelessness or negligence in ascertaining the truth of the statement;" and (6) "that defendant owes a duty to the plaintiff to communicate accurate information." Kopley Group V, L.P. v. Sheridan Edgewater Props., Ltd., 376 Ill. App. 3d 1006, 1017, 876 N.E.2d 218, 228 (1st Dist. 2007); see First Midwest Bank, N.A. v. Stewart Title Guar. Co., 218 Ill. 2d 326, 334-355, 843 N.E.2d 327, 332 (Ill. 2006); Bd. of Educ. of City of Chi. v. A, C S, Inc., 131 Ill. 2d 428, 452-53, 546 N.E.2d 580, 591-92 (Ill. 1989); see LM Ins. Corp. v. Fed Equities, Inc., No. 05 C 1154, 2008 U.S. Dist. LEXIS 32361, at *26 (N.D. Ill. Mar. 28, 2008); see also Penrod v. Merrill Lynch, Pierce, Fenner Smith, Inc., 68 Ill. App. 3d 75, 82, 385 N.E.2d 376, 381 (3d Dist. 1979) ("Certainly, it is no less serious for a person supplying the information to negligently omit to supply material information which would affect a business decision of the person receiving the information.").
In diversity jurisdiction cases, such as the one before us, we apply federal procedural law and state substantive law. See Pommier v. Peoples Bank Marycrest, 967 F.2d 1115, 1119 (N.D. Ill. 1999).
In its Response to LM's motion, Midwest disputes whether LM has shown that: (1) Midwest's conduct in furthering Paycenter's application was careless or negligent; (2) it made that misrepresentation to induce LM to act; and (3) LM's reliance on those alleged representations was reasonable. (Resp. at 9-12.) The parties thus agree that Midwest had a duty to accurately disclose information to LM and that it failed to do so in certain respects. ( See Pl's Facts ¶¶ 28-29, 35, 44-45, 50.) See LM Ins. Corp., 2008 U.S. Dist. LEXIS 32361, at *21-23 (holding that insurance broker had a duty "to provide LM with accurate information . . . once it volitionally interposed itself into the brokering of insurance under" the Plan).
We note that Midwest's Response with respect to the negligent misrepresentation claim focuses exclusively on the application process for the Paycenter Policy and does not address other misrepresentations allegedly committed by Midwest. LM, on the other hand, seems to base its case largely on Midwest's alleged failures to disclose changes in exposure to the Paycenter Policy.
1. Midwest's Alleged Negligence
Turning then to the fifth element of a negligent misrepresentation claim, we consider whether LM has proven that Midwest was careless or negligent in stating on the application that Paycenter was "not related through common management or ownership to any entity not listed [thereon]." (Pl.'s Facts ¶ 28.) Midwest points out that no evidence exists demonstrating that "anyone at Midwest knew at the time of the application, that Paycenter was designed to be anything other than a temp agency, not a PEO; nor that there was a commonality between ownership/management." (Resp. at 9.) Midwest ignores the undisputed fact, however, that Blackwell — the Paycenter Policy producer for Midwest — failed to conduct any investigation into the possible common ownership despite his prior business dealings with members of the Quilici family. (Pl.'s Facts ¶¶ 30-31.) Rather, instead of referring to the Plan, he relied simply on his common sense. ( Id. ¶ 31.) While there may be a dispute as to whether Blackwell or Midwest actually knew that Paycenter was related to other Quilici businesses for Plan purposes, there is no question that Blackwell neglected to investigate this possibility. We find that this failure constitutes "carelessness . . . in ascertaining the truth of the statement" made by Midwest in the application. Kopley Group V, L.P., 376 Ill. App. 3d at 1017, 876 N.E.2d at 228. ( See Pl.'s Facts ¶ 28, 30.)
Even aside from the application, Midwest was careless at best in failing to inform LM of changes in exposure to the Paycenter Policy, including providing copies of COIs. It is undisputed that Midwest owed a duty to LM to report "immediately to the assigned carrier all known changes in the employer's name, operations, ownership status, exposures, locations, financial condition or other changes which may affect the policy or the services being provided." (Pl.'s Facts, Ex. 29 at P 4439.) The Plan also obligated Midwest to give LM copies of all COIs it issued for the Paycenter Policy. ( Id. at P 4481-82.) Midwest acknowledges that, with one exception, it did not report such changes, nor did it provide LM with copies of COIs that it generated for Paycenter. (Def.'s Resp. to Pl.'s Facts ¶ 51; Def.'s Facts ¶ 7.) Midwest's vice president, DeGraaf, testified that he did not know of any particular requirements for issuing COIs under the Plan and that Midwest did little business in the involuntary market governed by it. (Pl.'s Facts, Ex. 18, DeGraaf Dep. at 53-60.) Blackwell stated that he did not think he had read the Plan's rules and regulations. (Pl.'s Facts, Ex. 16, Blackwell Dep. at 18.) Midwest thus omitted material facts concerning changes in exposure and withheld information from LM about the COIs it issued, without seriously considering what regulations might apply for such transactions. Given these undisputed facts, Midwest's failure to become familiar with and abide by the Plan's requirements for its business was negligent.
2. Midwest's Alleged Intent to Induce LM's Actions
We next determine whether LM has proven that Midwest engaged in its misrepresentations and omissions with an intent to induct Midwest to act. Kopley Group V, L.P., 376 Ill. App. 3d at 1017, 876 N.E.2d at 228. We agree with LM that Midwest's preparation and submission of the insurance application — with its misrepresentation about Paycenter's commonality with other Quilici-owned businesses — demonstrates its intent that LM issue the Paycenter Policy. See Liberty Mut. Ins. Co. v. Decking Steel, Inc., 301 F. Supp. 2d 830, 835 (N.D. Ill. 2004) (observing that the "purpose of the [insurance] application" was to induce the insurance carrier to act). Obviously, Midwest stood to benefit if it successfully obtained insurance coverage for its client. There would be no practical reason to submit an application unless Paycenter and Midwest intended for LM to consider issuing an insurance policy. Accordingly, and at least with respect to the application allegations, we find that LM has met its burden of proof on this issue.
In a short, two-sentence paragraph, Midwest contends that the case cited for this proposition by LM is inapposite but offers no legal argument or evidence of its own. (Resp. at 10.)
The question of whether LM has shown Midwest's intent underlying its failures to inform LM of changes in exposure and issue COIs is a closer call, and one we need not reach today.
3. LM's Reliance on Midwest's Misrepresentations and Omissions
Although Midwest does not expressly challenge LM's assertion that it relied on Midwest's representations in the application and thereafter, it contends that such reliance was unreasonable. (Resp. at 11-12.) Midwest argues that, "[e]ven if [it] is guilty of some omissions, and it has admitted that its actions herein were not fully to the letter of the law, LM's apparent refusal to use its own information, and to follow its own instincts, . . . calls into question its asserted reliance." ( Id. at 11.)
In support of its contention, Midwest points to several undisputed facts. First, as of May 21, 2004, LM employees in the special investigations unit were aware that Louis Quilici presented a new insurance application under a new business name, Paycenter. (Def.'s Facts, Ex. 7 at P 78.) The documentary evidence submitted by Midwest shows that LM employees immediately recognized that Louis Quilici also was affiliated with EMCO. ( Id. at P 77-78.) This evidence raises a question as to whether LM reasonably relied on Midwest's misrepresentation in the Paycenter application regarding its affiliation with other entities. ( See also id. at P 76 (Holtrup writing in July 13, 2004 email to auditors that "they [Paycenter and EMCO] may be combinable. We will need to look into further.").)
This evidence — an email — does not indicate if LM knew whether Quilici, Jr. or Quilici, Sr. had submitted the insurance application. (Def.'s Facts, Ex. 7 at P 78.)
Second, the record indicates that LM conducted two audits of Paycenter, on July 12, 2004 and November 19, 2004. (Pl.'s Resp. to Def.'s Facts ¶¶ 17-18; Def.'s Facts, Exs. 13-14.) Quilici, Jr. attended both audits but did not produce records for the LM auditors to review. (Def.'s Facts, Exs. 13-14). The auditor on July 12, for example, noted that "[a]ccording to the insured at this time, no records are available." (Def.'s Facts, Ex. 13 at P 836.) The audit report states that Paycenter had a project coming up the following month with the Chicago Public Schools involving fourteen employees. ( Id.) It also added that as of July 6, 2004, Quilici, Jr. had hired six IT employees for jobs with two other clients, Scientific Window and Omron. ( Id.) In an email to other LM employees, including Holtrup, the auditor forwarded the July 2004 "`audit' worksheets" and commented that "it is a misnomer since we didn't `audit' anything." (Def.'s Facts, Ex. 7 at P 77.)
Four months later at the November audit, Quilici, Jr. "could not produce invoices for the audit, but advise[d] that business is picking up." (Def.'s Facts, Ex. 14 at P 820.) The November audit also identifies three current or anticipated clients, including Scientific Window and Omron mentioned in the earlier audit report. ( Id.) The parties have not identified any evidence in the record showing whether LM pressed Quilici, Jr. in November for information about clients, despite the fact that he had not provided documentation about clients previously disclosed in July. The evidence before us thus raises a question of fact concerning LM's reliance on Midwest's misrepresentations about Paycenter's exposure, where LM conducted audits of Paycenter and seemed satisfied with Quilici, Jr.'s meager responses despite the lack of documentation at Paycenter.
Apparently Quilici, Jr.'s failure to comply with LM audit and/or loss prevention department requests caused LM to cancel the Paycenter Policy, effective December 29, 2004. (Def.'s Facts, Ex. 15.) LM notified Paycenter and Midwest of the cancellation by letter dated October 25, 2004. ( Id.) LM later rescinded the request to cancel on January 13, 2005. (Def.'s Facts, Ex. 16.)
In Illinois, the issue of whether a plaintiff's reliance is justified is typically a factual question left for the jury to decide. See LM Ins. Corp., 2008 U.S. Dist. LEXIS 32361, at *28; Kopley Group V, L.P., 376 Ill. App. 3d at 1018, 876 N.E.2d at 229. The reasonableness of a plaintiff's reliance becomes a question for the court only if "it is apparent from the undisputed facts that only one conclusion can be drawn." Kopley Group V, L.P., 376 Ill. App. 3d at 1018, 876 N.E.2d at 229. Based on the documents discussed above — and drawing all inferences in Midwest's favor — we hold that a reasonable jury could infer that LM had independent knowledge: (1) of Paycenter's affiliation with EMCO and/or EMCO-IL; and (2) that Paycenter was expanding its business without seeking endorsements from LM or otherwise updating them on new potential liability. See, e.g., LM Ins. Corp., 2008 U.S. Dist. LEXIS 32361, at *28-29. Although we cannot predict whether these facts ultimately might persuade a jury that Midwest is not liable for its carelessness, we conclude that it is the jury who must decide.
B. Negligence
For similar reasons, we deny LM's motion with respect to the negligence claim against Midwest. "To prevail in an action for negligence, the plaintiff must establish that the defendant owed a duty of care, that the defendant breached that duty, and that the plaintiff incurred injuries proximately caused by the breach." Adams v. N. Ill. Gas Co., 211 Ill. 2d 32, 43, 809 N.E. 2d 1248, 1257 (Ill. 2004). As LM accurately states, and as discussed above, there is no question that Midwest owed it a duty of care under the Plan and subsequently breached that duty. (Mem. at 13-14.) Like the reasonableness of a plaintiff's reliance, however, "proximate cause is ordinarily a question for the jury to decide," LM Ins. Corp., 2008 U.S. Dist. LEXIS 32361, at *30, unless "reasonable people could not differ as to the inferences to be drawn from the undisputed facts," Lawrence v. Bridgestone/Firestone, Inc., 963 F. Supp. 685, 687 (N.D. Ill. 1997). See also Merlo v. Pub. Serv. Co. of N. Ill., 381 Ill. 300, 318, 45 N.E.2d 665, 675 (Ill. 1943) (stating that "the proximate cause of an injury . . . is ordinarily a question of fact" and may "be a question of law when the facts are not only undisputed but are also such that there can be no difference in the judgment of reasonable [people] as to the inferences to be drawn from them"). While most of the facts here are undisputed, it is possible that reasonable people could draw different inferences and conclusions as to whether Midwest proximately caused LM's injury of lost premiums.
CONCLUSION
For the reasons set forth above, we deny LM's Motion for Partial Summary Judgment on Counts 14 and 15 against Midwest. It is so ordered.