Wolf Tree employee Eliud Montoya reported a supervisor’s alleged illegal conduct — including supplying undocumented workers with falsified documents — to Davey Tree’s general counsel. A Georgia jury later ordered Davey Tree, Wolf Tree, the supervisor and his conspirators to pay Mr. Montoya’s widow $3.1 million in compensatory damages plus more than $2.3 million in attorney’s fees. The insurers argued that an employment-practices exclusion in Davey Tree’s umbrella and excess policies barred coverage for both companies. Judge Lioi disagreed as to Davey Tree, finding neither underlying lawsuit adequately alleged that Montoya was Davey Tree’s employee, rather than Wolf Tree’s. Because Montoya was Wolf Tree’s employee, however, the judge found his death arose from “employment-related practices” — including alleged retaliation — that fall within the exclusion.