UNITED STATES COURT OF APPEALS FOR THE THIRD CIRCUIT ____________

No. 14-1897 ____________

INDIAN HARBOR INSURANCE CO

v.

F&M EQUIPMENT, LTD, f/k/a FURNIVAL MACHINERY COMPANY, Appellant

On Appeal from the United States District Court for the Eastern District of Pennsylvania (D. C. Civil Action No. 2-12-cv-01506) District Judge: Honorable Petrese B. Tucker

Argued on January 14, 2015 Before: AMBRO, FUENTES and ROTH, Circuit Judges

(Opinion filed: October 15, 2015) Thomas M. Peterson, Esquire (Argued) Deborah E. Quick, Esquire Morgan, Lewis & Bockius One Market Spear Street Tower San Francisco, CA 94105

Counsel for Appellant

Joel C. Hopkins, Esquire (Argued) Saul Ewing Two North Second Street Penn National Insurance Tower, 7th Floor Harrisburg, PA 17101

Counsel for Appellee

OPINION

ROTH, Circuit Judge:

This case concerns the contractual meaning of the word “renewal.” F&M Equipment, Ltd., f/k/a Furniva