The judges of the District Court for the Northern District of California awarded partial summary judgment to an insurer relating to losses as a result of smoke and soot from a fire. The case is Bottega, LLC v. Nat'l Sur. Corp., 2025 U.S. Dist. LEXIS 5666 (N.D. Cal. 2025).

Bottega was a restaurant in central California; a cafe and caterer called Ottimo shared the premises. Both entities were managed by Gruppo Chiarello, Inc. (Chiarello) and Solo I O, Inc. (Solo). National Surety issued a businessowners policy that listed Bottega, Ottimo, Chiarello, and Solo as named insureds.

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis