Extract to table

The Court must view the evidence in the light most favorable to the nonmoving party, but the nonmovant "must do more than simply show that there is some metaphysical doubt as to the material facts

Under Florida's well-established rule that ambiguities in insurance policies are construed against the insurer — the doctrine of contra proferentem — the blank sub-limit field must be read as consistent with the deletion negotiated between the parties and memorialized in the binder

Where the parties have reached an agreement on the terms of coverage, and the insurer fails to issue a policy or endorsement consistent with that agreement, the policy must be reformed to reflect the parties' actual agreement

Pinnacle's follow-form denial on the sub-limit ground must fall as a matter of law