The dispute traces back to a volcanic eruption that damaged properties on the island of Hawai’i. Michael W. Hale, along with Gregory C. Dencker, Carol K. Dencker, and Champagne Cove, LLC, filed insurance claims and eventually sued a long list of defendants, including Lloyd’s, several of its syndicates, and a handful of insurance intermediaries such as Borisoff Insurance Services (doing business as Monarch E&S Insurance Services), Arms Claims Incorporated (doing business as Affirmative Risk Management), Pyramid Insurance Centre, and others. The three cases were consolidated in the Circuit Court of the Third Circuit under Judge Henry T. Nakamoto.

