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The Eleventh Circuit has recently issued an opinion affirming summary judgment in favor of insurer StarStone National Insurance Co. (“StarStone”) and against insured, Polynesian Inn, LLC d/b/a Days Inn of Kissimmee (“Polynesian”), and Andrew James Bickford (“Bickford”), holding there is no coverage under StarStone’s policy for the underlying incident involving a murder and attempted murder on the property of an insured hotel. The case was styled StarStone National Insurance Co. v. Polynesian Inn, LLC, et al., appellate case no. 19-13769. In the opinion, the Eleventh Circuit adopted StarStone’s proposed definition and interpretation of the term “sublimit” thereby providing clarity to insurers, insureds, and the public at large, on a term frequently found in insurance policies, but that Florida courts had never before defined.

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