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

____________________

No. 20-11617 ____________________ JAMES RIVER INSURANCE COMPANY, a foreign corporation, Plaintiff-Appellant, versus RICH BON CORP., a Florida corporation d.b.a. The Mint Lounge, MARQUELL SHELLMAN, an individual, DAINA HILBERT, as Personal Representative of the Estate of David Hilbert, Defendants-Appellees. USCA11 Case: 20-11617 Date Filed: 05/23/2022 Page: 2 of 19

2 Opinion of the Court 20-11617

____________________

Appeal from the United States District Court for the Southern District of Florida D.C. Docket No. 1:16-cv-20273-JEM ____________________ Before BRANCH, GRANT, and BRASHER, Circuit Judges. GRANT, Circuit Judge: Ordinarily, federal courts have no margin for error on quest