No. 19-3731 ___________________________

Courtney Godfrey

Plaintiff - Appellant

Ryan Novaczyk

Plaintiff

v.

State Farm Fire and Casualty Company; Government Employers Insurance Company

Defendants - Appellees ____________

Appeal from United States District Court for the District of Minnesota ____________

Submitted: November 18, 2020 Filed: August 24, 2021 ____________ Before SHEPHERD, STRAS, and KOBES, Circuit Judges. ____________ KOBES, Circuit Judge.

Courtney Godfrey sued State Farm Fire and Casualty Company and the Government Employers Insurance Company for liability coverage after she was injured on her husband’s boat. The district court 1 granted summary judgment for the i