Aegis Security Insurance Company v. Pennsylvania Insurance Department

798 A.2d 330 (2002)

From our private database of 45,900+ case briefs, written and edited by humans—never with AI.

Aegis Security Insurance Company v. Pennsylvania Insurance Department

Pennsylvania Commonwealth Court
798 A.2d 330 (2002)

Facts

Aegis Security Insurance Company (Aegis) (defendant) issued a homeowner’s policy to Kelly Broschart, who owned a dog named Heidi. Aegis had a policy not to provide coverage to applicants who own animals known to be unfriendly. At the time that Broschart applied for the policy, Heidi was not known to be unfriendly. One day, a Pennsylvania State Police trooper, Frederick Dyroff, crossed onto Broschart’s property from the back entrance where a “No Trespassing” sign was posted. Heidi was on the porch of the house and approached Dyroff. Dyroff then took his leather portfolio and waved it in the dog’s face to shoo her away. Heidi reacted by biting part of Dyroff’s pants and inflicting a superficial wound. After the incident was reported, Aegis canceled Broschart’s homeowner’s policy, stating that it constituted a substantial increase in hazard. The Pennsylvania Insurance Department (plaintiff) launched an investigation and held that the cancellation violated the Unfair Insurance Practices Act. Aegis appealed to the Insurance Commissioner of Pennsylvania, which affirmed the department’s holding. Aegis then appealed to the common-law court.

Rule of Law

Issue

Holding and Reasoning (Doyle, J.)

What to do next…

  1. Unlock this case brief with a free (no-commitment) trial membership of Quimbee.

    You’ll be in good company: Quimbee is one of the most widely used and trusted sites for law students, serving more than 736,000 law students since 2011. Some law schools—such as Yale, Berkeley, and Northwestern—even subscribe directly to Quimbee for all their law students.

    Unlock this case briefRead our student testimonials
  2. Learn more about Quimbee’s unique (and proven) approach to achieving great grades at law school.

    Quimbee is a company hell-bent on one thing: helping you get an “A” in every course you take in law school, so you can graduate at the top of your class and get a high-paying law job. We’re not just a study aid for law students; we’re the study aid for law students.

    Learn about our approachRead more about Quimbee

Here's why 736,000 law students have relied on our case briefs:

  • Written by law professors and practitioners, not other law students. 45,900 briefs, keyed to 984 casebooks. Top-notch customer support.
  • The right amount of information, includes the facts, issues, rule of law, holding and reasoning, and any concurrences and dissents.
  • Access in your classes, works on your mobile and tablet. Massive library of related video lessons and high quality multiple-choice questions.
  • Easy to use, uniform format for every case brief. Written in plain English, not in legalese. Our briefs summarize and simplify; they don’t just repeat the court’s language.

Access this case brief for FREE

With a 7-day free trial membership
Here's why 736,000 law students have relied on our case briefs:
  • Reliable - written by law professors and practitioners, not other law students
  • The right length and amount of information - includes the facts, issue, rule of law, holding and reasoning, and any concurrences and dissents
  • Access in your class - works on your mobile and tablet
  • 45,900 briefs - keyed to 984 casebooks
  • Uniform format for every case brief
  • Written in plain English - not in legalese and not just repeating the court's language
  • Massive library of related video lessons - and practice questions
  • Top-notch customer support

Access this case brief for FREE

With a 7-day free trial membership