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England and Wales High Court (Commercial Court) Decisions |
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You are here: BAILII >> Databases >> England and Wales High Court (Commercial Court) Decisions >> Chubb Bermuda Insurance Ltd v Fertitta Entertainment Inc & Ors [2026] EWHC 1392 (Comm) (09 June 2026) URL: https://www.bailii.org/ew/cases/EWHC/Comm/2026/1392.html Cite as: [2026] EWHC 1392 (Comm) |
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BUSINESS AND PROPERTY COURTS OF ENGLAND AND WALES
COMMERCIAL COURT (KBD)
Fetter Lane, London, WC4A 1NL |
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B e f o r e :
____________________
CHUBB BERMUDA INSURANCE LTD |
Claimant |
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| - and - |
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| (1) FERTITTA ENTERTAINMENT, INC (2) FERTITTA HOSPITALITY, LLC (3) 1600 WEST LOOP SOUTH, LLC (4) LANDRY'S SEAFOOD HOUSE-NEW ORLEANS, INC (5) LANDRY'S SEAFOOD HOUSE-JAX, INC (6) LANDRY'S, LLC (7) GOLDEN NUGGET LAKE CHARLES, LLC (8) RIVERBOAT CORPORATION OF MISSISSIPPI (9) GOLDEN NUGGET ATLANTIC CITY, LLC (10) GNLV, LLC (11) GNL, LLC (12) GOLDEN NUGGET, LLC (13) MORTON'S OF CHICAGO/ROSEMONT, INC (14) LANDRY'S SEAFOOD HOUSE-MISSOURI, INC (15) BILL'S BAR & BURGER R.C., LLC (16) RAINFOREST CAFÉ, INC (17) DEL FRISCO'S OF GEORGIA, LLC |
Defendants |
____________________
The Defendants did not appear
Hearing date: 3 June 2026
____________________
Crown Copyright ©
Mr Justice Bright:
Introduction
The parties
Bermuda,
where it has its principal place of business.
The Policy
Bermuda.
The Declarations section of the Policy further recorded the broker (i.e., the entity which acted on behalf of the Defendants in procuring the Policy, and to which it was issued by the Claimant) as Bowring Marsh (
Bermuda)
Ltd, of an address in Hamilton,
Bermuda.
"Limit USD 200,000,000
Part of USD 500,000,000
Excess Of USD 250,000,000
Excess of underlying deductibles/SIR
Annual aggregates apply to Earthquake and Floor
Deductibles: Per Attached Policy
Ground up Per Attached Policy
Sublimits
Followed Policy: 2019 FE GN LA – POLICY FORM FOR ISSURANCE [sic] –CHUBB
BDA received May 30, 2019
…
Exceptions to the
Followed Policy:
…
Change to the Policy Form:
…
ii. Section POLICY PROVISIONS clause 32. SUIT AGAINST THE COMPANY is hereby deleted in its entirety from the policy"
"1. INSURING AGREEMENT
Chubb
![]()
Bermuda
Insurance Ltd., hereafter called "
Chubb",
agrees to provide insurance coverage to the Insured in accordance with the terms, conditions, exclusions and limitations of the Followed Policy, except as superseded limited or excluded herein, and subject to the applicable Retention Amount(s) of Liability as shown in the Declarations.
2. ARBITRATION
Any dispute arising out of or relating to this Policy, or the breach thereof, shall be fully and finally determined in London, England under the provisions of the Arbitration Act of 1996 (as amended or supplemented) by an Arbitration Board composed of three arbitrators. Each arbitrator shall be an active Queens Counsel or retired judge of the English High Court or Court of Appeal familiar with insurance and the Act. All matters relating to the existence of the agreement to arbitrate and the selection of arbitrators shall be determined under the laws of England and Wales. …
3. GOVERNING LAW AND INTERPRETATION
This Policy shall be construed and enforced in accordance with the laws of the State of New York in the United States, except and insofar as such laws:
(1) pertain to regulation under New York Insurance law, or regulations issued by the Insurance Department of New York pursuant thereto, applying to insurers doing business, or issuance, delivery or procurement of policies of insurance, within the State of New York r as respects risks or insureds situated in the State of New York;
(2) pertain to choice of law rules that result in the selection of a substantive state law other than New York;
(3) purport to limit, exempt, repeal or otherwise qualify in any way the exclusion of all physical loss or damage and of all other interests, expenses or sums arising from or relating to terrorism, including but not limited to fire-following terrorism; or
(4) are inconsistent with any of the provisions of this Policy.
The terms, conditions, exclusions, and limitations of this Policy are to be construed in an even-handed fashion as between the Insured andChubb.
Without limitation, where the language of this Policy is deemed to be ambiguous or otherwise unclear, the issues shall be resolved in the manner most consistent with the relevant terms, conditions, exclusions and limitations (without regard to authorship of the language, without any presumption or arbitrary interpretation or construction in favor of either the Insured or
Chubb
and without reference to parol evidence.) In any circumstances where New York law does not apply, the law of England and Wales governs this contract."
The 1st Louisiana Proceedings
The 2nd Louisiana Proceedings
The Interim ASI
Louisiana TRO and Preliminary Injunction
"In summary, our clients maintain that there is no proper basis for the English court's jurisdiction in the parties' underlying dispute. The Defendants are all US companies, the Claimant isBermudan,
and the policies cover only US risks and losses, which have already been litigated in Louisiana. The only purported link to England—an arbitration clause—is void under Louisiana law (La. R.S. 22:868) and contrary to strong public policy designed to protect insureds' access to local courts. Any attempt to enforce that clause would undermine settled Louisiana litigation, risk inconsistent outcomes, and amount to impermissible forum shopping. England is not a suitable forum in any event, with all witnesses, evidence, and proceedings located in the US."
The 3rd Louisiana Proceedings
Further steps in the instant proceedings
"Dear Clyde & Co
Chubb
![]()
Bermuda
Insurance Ltd v Fertitta Entertainment, Inc & Ors
Claim No. CL-2025-000032 (the "Proceedings")
1. We continue to act on behalf of the Defendants in the above Proceedings and adopt the definitions from previous correspondence.
2. We write further to the Order of the Honourable Mr Justice Bright dated 24 April 2026, and in particular to paragraph 5 of the Order, pursuant to which the final hearing of the ASI (the Relisted Hearing as defined in the Order) has been listed for 3 June 2026.
3. Our clients' position on the ASI, including as to the jurisdiction of the English Court and the validity of service of the ASI and the Proceedings, is well known to your client and has been clearly and consistently set out in prior correspondence, including our clients' application dated 13 August 2025 to challenge jurisdiction in respect of the ASI and to set aside the ASI and service thereof (the "Application"). We refer, without limitation, to: (i) the first witness statement of Christopher P Ieyoub dated 13 August 2025 ("Ieyoub-1"); and (ii) our letter dated 19 August 2025.
4. As stated in paragraphs 41 and 42 of Ieyoub-1:
"The ASI, which is solely an English proceeding, is not enforceable in Louisiana, where the damage occurred. It is a foreign process that may prove to have little to no practical significance, while causing undue prejudice to the Defendants/insureds.
The Claimant's attempt to force the Defendants to arbitration in London by using the threat of civil fines and criminal charges is a breach of Louisiana public policy is unprofessional, unethical
and perhaps even criminal."
5. Our clients' position remains unchanged. They are particularly concerned that, in the proceedings before the US court, your client has significantly misrepresented our clients' actions in relation to the Proceedings. In your client's Memorandum of Law (1) In Opposition to Plaintiffs' Motion for Preliminary Injunction And (2) In Support of its Cross-Motion to Dismiss to Stay this Action filed in Civil Action No: 25-cv-01175 before the United States District Court, Western District of Louisiana, Lake Charles Division, your client stated (emphasis added):
a) "Plaintiffs [our clients] have knowingly and willingly participated in the ASI proceedings from the get-go" (page 9) – this is untrue and misleading: our clients (i) did not submit to
the jurisdiction; (ii) always participated subject to a strict reservation of rights; (iii) and subsequently made the Application.
b) "Indeed, they [our clients] have done so for the past eight months without attempting to terminate the London High Court proceeding, instead agreeing via stipulation to litigate the London action first" (page 11) – this is untrue and misleading as the Application was, incontrovertibly, one to terminate the Proceedings.
6. Our clients' position is that it is wrong for them to be forced to spend time and money seeking to resist the ASI which lacks basis or jurisdiction, the more so given it is evident from the matters referenced in the preceding paragraph that steps taken by our clients even to resist the ASI risk being (wrongly) relied upon and/or misrepresented in any US proceedings as evidence of acceding to the ASI. Further, the Claimant impermissibly seeks a declaration of arbitrability by the London High Court which is even beyond the scope of the very policy provision upon which
the Claimant relies in seeking the ASI.
7. As a result, we are not instructed to file further evidence or submissions ahead of the final hearing of the ASI or to attend that hearing. We are instructed to send this letter to explain our clients' position to the Court and being mindful of judicial resource. Please draw the Court's attention to it.
8. As throughout, all our clients' rights regarding the Proceedings generally, and specifically as to jurisdiction, service and the ASI, are and remain strictly reserved.
Yours faithfully
Hausfeld & Co. LLP"
The arbitration agreement and its governing law
Chubb
[2020] UKSC 38, as explained in UniCredit Bank GmbH v RusChemAlliance LLC [2024] UKSC 30. In Unicredit, Lord Leggatt JSC said at [21]:
"… the arbitration agreement is governed by whichever system of law the parties have agreed will govern it or, in the absence of such an agreement, the system of law with which the arbitration agreement is most closely connected. Whether the parties have agreed on a choice of law to govern the arbitration agreement is ascertained by construing the arbitration agreement and the contract containing it, as a whole, applying the rules of contractual interpretation of English law as the law of the forum."
The Defendants' challenge to English jurisdiction
(1) The arbitration agreement in General Provision 2 of the Policy is invalid under Louisiana law, by reason of Louisiana statutory provision: Louisiana Revised Statutes 22:868 ("La. R.S. 22:868").
(2) There is no connection to England and the Defendants have not submitted to the jurisdiction of the English Court.
(3) Louisiana is the most suitable forum.
Bermuda
and delivered to a broker in
Bermuda) and also about whether La. R.S. 22:868 applies to international insurance policies/arbitration agreements, or only to US policies/agreements, in the face of the New York Convention.
The Claimants' application for final ASI relief
"(i) It has been held that respect for comity is not a strong reason for the court not to give effect to a contractual choice of forum clause, and that comity requires that where there is an agreement for a sole forum for the resolution of disputes under a contract, that agreement is respected: Males LJ in AIG Europe, para 8. By way of parenthesis, in that context, comity is served by applying the same respect to choice of court or arbitration agreements in favour of other jurisdictions and arbitral seats.
(ii) It has been held that the existence of a mandatory provision of foreign law applicable in the foreign court which overrides the contractual choice of jurisdiction is not a strong reason to refuse an ASI: Shipowners' Mutual Protection and Indemnity Association (Luxembourg) v Containerships Denizcilik Nakliyat ve Ticaret AS (The Yusuf Cepnioglu) [2016] 1 Lloyd's Rep 641, paras 34 to 37 and 57 to 58 and Thomas Raphael QC, The Anti-Suit Injunction (2nd Edition) ( Raphael), paras 8.31 to 8.44.."
The Claimant's claim for damages
Costs of this action