United States Court of Appeals For the Seventh Circuit ____________________ No. 22-3053 JADAIR INTERNATIONAL, INC., Plaintiff-Appellant, v. AMERICAN NATIONAL PROPERTY & CASUALTY COMPANY, Defendant-Appellee. ____________________

Appeal from the United States District Court for the Eastern District of Wisconsin. No. 2:21-cv-1103 — J.P. Stadtmueller, Judge. ____________________

ARGUED MAY 25, 2023 — DECIDED AUGUST 9, 2023 ____________________

Before EASTERBROOK, ROVNER, and LEE, Circuit Judges. LEE, Circuit Judge. David Schmutzler was the owner and president of Jadair International, Inc. (“Jadair”). He was also a pilot with decades of experience. On Jadair’s behalf, Schmutzler secured an aircraft insurance policy from the American National Property & Casualty Company (“Ameri- can National”), covering a Cessna airplane owned by Jadair. Tragically, the Cessna crashed in May 2020, killing Schmutz- ler, who was piloting t