( April 10, 2025, 11:08 AM EDT) -- RICHMOND, Va. — The Fourth Circuit U.S. Court of Appeals reversed a lower federal court’s ruling that a defendant insurer has to contribute $1 million in primary coverage to an underlying $9 million wrongful death settlement and affirmed the lower court’s finding that the defendant insurer’s excess coverage was not triggered, concluding that both coverages were limited to employees of Surry County, N.C., Emergency Services and did not extend to employees of Surry County's 911 call center....