Shawn Danes (“Danes”), as administrator of the estate of her husband William Danes (“William”), appeals from the trial court’s order granting Andee Rogers’s and Dan Rivers & Associates’ motion for summary judgment. Danes sued Rogers, an insurance agent, and her employer Dan Rivers & Associates (collectively “Rogers”) after
Rogers responded that, although William requested workers’ compensation insurance for his business, he told her that he did not want to pay for coverage for himself. Rogers filed a motion for summary judgment contending that the evidence was undisputed that William told her that he did not want the policy to cover him personally because he could not afford it. The trial court granted the motion. For the reasons that follow, we affirm.
On appeal from a grant of a motion for summary judgment, we review the evidence de novo in the light most favorable to the nonmovant to determine whether a genuine issue of fact remains and whether the moving party is entitled to judgment as a matter of law. As the moving party, [Rogers] may do so by showing the court that the documents, affidavits, depositions, and other evidence in the record reveal that there is no evidence sufficient to create a jury issue on at least one essential element of the . . . case.
Burnside v. GEICO Gen. Ins. Co.,
Viewed in the light most favorable to Danes, the record shows that William was killed while working as a subcontractor for Reeves Construction Company on a project for the Georgia DOT. William was the only employee of his company, B&S Grading. In June 2007, William first applied with Rogers for workers’ compensation for the company. In that application, William rejected coverage for himself.
Rogers testified at her deposition that William called her in June 2009 and again requested workers’ compensation insurance. He also
After William’s death, Reeves Construction called Rogers, requesting a certificate of insurance. Reeves did not tell Rogers that William had died. Rogers sent a certificate which listed a workers’ compensation policy. Under the workers’ compensation listing on the certificate is a question: “Any proprietor/partner/executive officer/member excluded? If yes, describe under Special Provisions below.” There is nothing indicated on the certificate. Rogers later wrote on the certificate of insurance “only Reeves” and “does not bind.”
Danes testified that her husband told her that one of the requirements of the job was to have a “million dollars worker’s compensation insurance.” She said that he told her it would cost thousands of dollars and she felt “sick” because they did not have any money. She also stated that William told her that he had to be “included on the workers’ comp policy.” An employee of Reeves Construction testified that Reeves’s contract required that William have workers’ compensation insurance that covered him personally and that he could not “opt out” of coverage.
The trial court held that the certificate of insurance sent to Reeves was silent as to whether William was to be an insured under the policy, and Rogers’s unrebutted testimony was that William did not request that he be personally insured on the policy. This appeal followed.
1. Danes claims that the trial court erred in granting Rogers’s motion for summary judgment on her claim of negligence.
The essential elements of a negligence claim are the existence of a legal duty; breach of that duty; a causal connection between the defendant’s conduct and the plaintiff’s injury; and damages. Thus, the threshold issue in a negligence action is whether and to what extent the defendant owes a legal duty to the plaintiff.
Boiler v. Robert W. Woodruff Arts Center,
Danes claimed that her husband told her that he had to be insured under the policy, but acknowledges that she was not involved in the business, stating “I didn’t know anything about it.” When asked if she had any personal knowledge of what her husband told anyone at Rivers & Associates about the type of policy he wanted, she replied, “No. I wasn’t there.” Accordingly, Danes’s testimony about what her husband said to Rogers constitutes speculation and conjecture which is insufficient to defeat Rogers’s motion for summary judgment. See Mitchell v. Austin,
2. Likewise, because Danes’s claims for breach of contract and promissory estoppel are also based on the allegation that William told Rogers that he wanted her to issue a policy that covered him personally, and because Danes has come forward with no evidence to support this contention, Rogers was entitled to summary judgment on these claims.
3. Danes also argues that the trial court erred in granting summary judgment on the basis of Rogers’s testimony, because that testimony was hearsay. The trial court held that the testimony was admissible as original evidence of the alleged contract and to explain conduct. See Hart v. Groves,
Further,
[a] statement that has legal consequences independent of its truth or falsity is considered a “verbal act” and is not hearsay when those legal consequences are relevant or material to the case. The simplest example is an out-of-court statement establishing or defining the terms of a contract.
Stubbs v. Dubois,
Judgment affirmed.
Notes
Apparently it is not unusual for a business owner to exclude himself from coverage and save on premiums. If the company hires additional employees during the project, they wouldbe covered by the workers’ compensation policy.