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MAMA JO’S INC. V. SPARTA INSURANCE CO.: “DIRECT PHYSICAL LOSS” REQUIREMENT IN INSURANCE POLICIES RESTRICTS CLEANING AND BUSINESS INCOME LOSS CLAIMS

Terra Silva *

Photo Credit: https://perma.cc/RCM9-65GR

In Mama Jo’s Inc. v. Sparta Insurance Co., the United States Court of Appeals for the Eleventh Circuit held that an insurer properly denied coverage for a restaurant’s cleaning and business interruption claims because neither claim satisfied the policy’s “direct physical loss” requirement. The Mama Jo’s decision may be used by insurance companies arguing that denial of claims was proper based on the lack of any “direct physical loss,” as required by many policies. Though pandemic-related case law is still developing, Mama Jo’s may have major impacts on the outcome of such litigation.

Microphone in front of crowd

Political Speech On Campus: A Practical Look At University Policies and Regulations

Laura Beltz and Mary Zoeller

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In just forty-five words, the First Amendment to the United States Constitution is a “blueprint for personal freedom and the hallmark of an open society.” Critically, the First Amendment protects citizens from governmental interference with these foundational rights and prevents state actors—such as public colleges and universities—from hindering the exercise of these rights. In contrast, the First Amendment does not generally apply to students at private colleges.

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Words such as equality, women, race, rights, etc.

Monaghan v. Wordplay U.S., Inc.; Eleventh Circuit Clarifies the Standard for Title VII Retaliation Claims

Taylor A. Johnson

In Susan Monaghan v. Worldpay US, Inc., the Eleventh Circuit reversed a district court’s grant of summary judgment in a Title VII retaliation complaint. This decision clarifies the requirements needed for successful Title VII retaliation claims.

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Wiggins v. Warren Averett: Alabama Supreme Court Finds in Favor of Warren Averett, Holding That Third-Party Beneficiaries Are Subject to Arbitration Clauses

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Blake Harper

In Wiggins v. Warrant Averett, the Alabama Supreme Court addressed whether third-party beneficiaries of a contract are subject to binding arbitration clauses in those contracts.  This decision provides needed clarity for Alabama companies on the scope of binding arbitration clauses used in contracts with customers, vendors, and employees. Because Wiggins is a 5-4 decision in which two justices concurred specially, companies and their counsel should monitor future decisions regarding this issue.

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ALABAMA STATE CONFERENCE OF THE NATIONAL ASS’N OF FOR THE ADVANCEMENT OF COLORED PEOPLE V. STATE OF ALABAMA

Lauren Brasher*

In Alabama State Conference of the NAACP v. State of Alabama, the United States Court of Appeals for the Eleventh Circuit addressed a private citizen’s ability to sue a state in federal court. Generally, suits against a state by its own citizens are prohibited under the Eleventh Amendment, but there are exceptions to this general rule. In this case, the appeals court found that the Voting Rights Act gives private citizens a right of action against states. The court agreed with its sister circuits which had already ruled on this issue, concluding it is “difficult to conceive of any reasonable interpretation . . . that does not involve abrogation of the state’s immunity.”

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White v. Lemma – THE THREE-STRIKES PROVISION DOES NOT PRECLUDE DISMISSAL ON THE MERITS AND WITH PREJUDICE

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Ben Brown*

If a prisoner’s claim requires dismissal under the “three-strikes provision” but is also frivolous or unmeritorious, must the court dismiss the claim without prejudice or may it opt to dismiss the claim on the merits with prejudice instead?  This question was presented to the Eleventh Circuit in White v. Lemma.  The Eleventh Circuit concluded that “though a court must procedurally dismiss without prejudice the claim of a prisoner who has struck out under the three-strikes provision and failed to pay the filing fee, the court may also consider the merits to dismiss the case with prejudice instead.”

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Stepping on money like stairs.

Lewis v. Governor of Alabama

Katelyn Dodd*

Photo Credit: https://www.annistonstar.com/opinion/editorials/editorial-the-minimum-wage-battle-in-alabama/article_25f5b5c0-a647-11e8-9229-17dad5628c4e.html

In Lewis v. Governor of Alabama, the U.S. Court of Appeals for the Eleventh Circuit addressed a city-versus-state conflict over minimum wage in Alabama. This debate over minimum wage is a topical one, both in the state and across the country, and proponents on both sides of the issue followed the case closely. However, rather than entering the minimum wage debate and addressing the issue on its merits, the court dismissed the case for a lack of standing and left the door open for continued discussion.

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The Potential of the Blockchain for Asset Protection Planning

Ian Huyett & Brian Quirk*

Photo Credit: hklaw.com

Legal scholarship on the blockchain has largely focused on how the law might respond to the challenges it raises or may one day raise. Some scholars have grappled with how cryptocurrency might complicate the administration of wills, for example. Others have focused on fears that the blockchain will be used to evade the power of the legal system. The literature is only beginning to investigate a more interesting question: how the blockchain might serve the preexisting demands of the law.

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Boatman v. Berreto: Prison Mailbox Rule Applies to Civilly Committed People

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Carson Smith*

In a case of first impression, Boatman v. Berreto, the Eleventh Circuit Court of Appeals considered whether a civilly committed person could utilize the prison mailbox rule.  The original mailbox rule, stemming from contract law, is the principle that filing or service of a document occurs on the date of mailing.  Similarly, the Federal Rule of Appellate Procedure 4(c)(1), sometimes called the prison mailbox rule, allows an inmate’s notice of appeal to be considered timely if it was “deposited in the institution’s internal mail system on or before the last day for filing.”  In the Eleventh Circuit, a pro se inmate’s notice of appeal is presumed submitted on the day he signed it, absent contrary evidence.

READ THE FULL ARTICLE HERE!