DISCLAIMER:  Any unofficial case summaries below are prepared by the clerk's office
                        as a courtesy to the reader. They are not part of the opinion of the court.

123528P.pdf   11/18/2013  Charles E. Bethel, II  v.  Darwin Select Insurance Co.
   U.S. Court of Appeals Case No:  12-3528
   U.S. District Court for the District of Minnesota - Minneapolis   
   [PUBLISHED] [Gruender, Author, with Beam and Shepherd, Circuit Judges] 
   Civil case - Insurance. District court did not err in determining 
   defendant had no duty to defend a claim against plaintiffs as the claim 
   fell within the "Customer Funds Exclusion" in the policy; the district 
   court's interpretation of the exclusion did not violate the "illusory 
   coverage" doctrine, the "reasonable expectations" doctrine or the 
   "innocent insured" doctrine; since the defendant insurer had no duty to 
   defend, the district court did not err in granting the insurer summary 
   judgment on plaintiffs' claims for breach of the implied contractual 
   duties of good faith and fair dealing.