Ken Finch Jr., is a self-employed logger who is also engaged in the business of putting on rodeos.
In connection with this business, Finch owns bulls and other animals, as well as trucks and trailers. Back around 2006, Finch began obtaining insurance from defendant Steve Cardell Agency, a New York insurance agency of which Steven I. Cardell is president. Finch obtained liability insurance for rodeos by contacting Cardell before each show. Cardell would then procure coverage for the event and provide Finch with an insurance certificate.
In August 2012, Finch contacted Cardell to obtain coverage for an upcoming rodeo in Pennsylvania. The transaction was handled by an office assistant. The carrier that had previously provided Finch's rodeo insurance declined to cover the event (apparently because of its location in Pennsylvania), and the assistant instead found what she believed to be equivalent coverage issued by a different carrier, Atlantic Casualty Insurance Co.
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