[PUBLISH] In the United States Court of Appeals For the Eleventh Circuit

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No. 22-12675 ____________________

KINSALE INSURANCE COMPANY, Plaintiff-Counter Defendant Appellee, versus PRIDE OF ST. LUCIE LODGE 1189, INC., TEAIRA NICOLE REED,

Defendants-Counter Claimants Appellants. ____________________

Appeal from the United States District Court for the Southern District of Florida D.C. Docket No. 2:21-cv-14053-KMM USCA11 Case: 22-12675 Document: 61-1 Date Filed: 04/18/2025 Page: 2 of 52

2 Opinion of the Court 22-12675

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