State ex rel. Blue Springs School District v. The Honorable Jack R. Grate , 576 S.W.3d 262 ( 2019 )


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  •                                          In the
    Missouri Court of Appeals
    Western District
    STATE ex rel. BLUE SPRINGS                  )
    SCHOOL DISTRICT,                            )
    )   WD81197
    Relator,                    )
    )   OPINION FILED: May 21, 2019
    v.                                          )
    )
    THE HONORABLE JACK R.                       )
    GRATE,                                      )
    )
    Respondent.                   )
    ORIGINAL PROCEEDING IN PROHIBITION
    Before Writ Division: Cynthia L. Martin, Presiding Judge, Karen King Mitchell, Judge
    and Anthony Rex Gabbert, Judge
    The Blue Springs School District ("School District") sought a writ of prohibition
    directing the circuit court ("Respondent") to take no action other than to grant the School
    District's motion for summary judgment. We issued a preliminary writ of prohibition.
    Thereafter, we quashed our preliminary writ on the issue of whether sovereign immunity
    has been abrogated for discrimination in public accommodation pursuant to section
    213.065.1 We made our preliminary writ of prohibition permanent as to the common law
    claims asserted in this case because the School District did not waive sovereign immunity
    for common law torts by acquiring liability insurance.
    The Supreme Court accepted transfer of the case, and then retransferred the case for
    reconsideration in light of R.M.A.(a Minor Child) by his Next Friend, Rachelle Appleberry
    v. Blue Springs R-IV School District and Blue Springs School District Board of Education,
    
    568 S.W.3d 420
    (Mo. banc 2019).
    We again hold that our preliminary writ of prohibition is quashed with respect to
    the claim for discrimination in public accommodation asserted against the School District
    pursuant to section 213.065, though for different reasons than originally relied on by this
    court. We also again hold that our preliminary writ of prohibition should be made
    permanent with respect to the common law claims asserted against the School District, as
    R.M.A. has no bearing on that holding.
    Factual and Procedural Background
    On November 24, 2015, plaintiff ("B.Z.") initiated a lawsuit in the Circuit Court of
    Jackson County ("Underlying Lawsuit")2 against the School District and three individuals
    employed by the School District ("Individual Defendants").3 B.Z. alleged that while she
    was a kindergartner, she was sexually harassed and assaulted by other students at her
    1
    All statutory references are to RSMo 2000, as supplemented through November 24, 2015, the date the
    Underlying Lawsuit was filed, unless otherwise specified.
    2
    The Underlying Lawsuit is styled Jane Doe BZ b/n/f Jane Doe BA v. Blue Springs School District, et al.,
    Docket Number 1516-CV25324, pending in the Circuit Court of Jackson County, Missouri.
    3
    The Individual Defendants are a teacher, an assistant principal, and the principal of the elementary school
    attended by B.Z. The Individual Defendants are not parties to this writ proceeding.
    2
    elementary school.             Count I of B.Z.'s petition alleged discrimination in public
    accommodation pursuant to section 213.065 of the Missouri Human Rights Act
    ("MHRA").4 Count II of the petition alleged the tort of negligent supervision/breach of
    ministerial duties.         Count III of the petition alleged the tort of breach of fiduciary
    duty/confidential relationship.              All three Counts named the School District and the
    Individual Defendants as defendants.
    B.Z.'s petition alleged that "Defendants have purchased liability insurance covering
    the type of claims made herein."5 The School District's answer alleged that the petition
    failed to state a claim for public accommodation discrimination, and that the School
    District had not waived sovereign immunity by acquiring insurance.6
    The School District filed a motion for summary judgment. The School District
    alleged that Count I of B.Z.'s petition failed to state a claim because political subdivisions
    are not "persons" who can be liable for public accommodation discrimination pursuant to
    section 213.065. The School District's motion also alleged that its sovereign immunity for
    the common law torts alleged in Counts II and III of the petition was not waived by the
    acquisition of liability insurance.7 Though it is uncontroverted that the School District was
    4
    Section 213.010 et seq.
    5
    As we discuss in greater detail, infra, the School District is a governmental entity entitled to sovereign
    immunity except to the extent waived. However, "'[s]overeign immunity is not an affirmative defense, but is part of
    the plaintiff's prima facie case.'" Newsome v. Kansas City, Mo. Sch. Dist., 
    520 S.W.3d 769
    , 776 (Mo. banc 2017)
    (quoting St. John's Clinic, Inc. v. Pulaski Cnty. Ambulance Dist., 
    422 S.W.3d 469
    , 471 (Mo. App. S.D. 2014)). As
    such, B.Z. had the burden to prove that the School District waived its sovereign immunity, and B.Z. was required to
    allege specific facts in her petition to establish waiver. 
    Id. at 775-76;
    Richardson v. City of St. Louis, 
    293 S.W.3d 133
    , 137 (Mo. App. E.D. 2009). The purchase of liability insurance may function as a waiver of sovereign
    immunity. Section 537.610.1.
    6
    The Individual Defendants also answered the petition, and asserted immunity pursuant to the public duty
    doctrine and official immunity. The Individual Defendants' immunity claims are not at issue in this writ proceeding.
    7
    The School District's acquisition of liability insurance is irrelevant to determining whether Count I of
    B.Z.'s petition states a claim against the School District. The School District's potential liability pursuant to section
    3
    insured by Missouri Public Entity Risk Management Fund ("MOPERM") when the acts
    and omissions giving rise to B.Z.'s petition are alleged to have occurred,8 the parties dispute
    whether that policy afforded the School District coverage for the claims alleged against it
    in Counts II and III of the petition.
    Respondent denied the School District's motion for summary judgment on
    October 12, 2017.9 On November 1, 2017, the School District filed a petition for writ of
    prohibition alleging that section 213.065 of the MHRA does not authorize a cause of action
    for discrimination in public accommodation against political subdivisions of the state, and
    that sovereign immunity was not waived for the common law tort claims alleged in Counts
    II and III of the petition by the acquisition of insurance. After requesting suggestions from
    the Respondent, this court issued a preliminary writ of prohibition directing that
    Respondent take no further action as to the School District in the Underlying Lawsuit.10
    We later quashed the preliminary writ of prohibition with respect to the claim against the
    School District pursuant to section 213.065, but made permanent the writ of prohibition
    with respect to the common law claims asserted against School District. The Supreme
    213.065 turns on whether sovereign immunity for a claim of discrimination in public accommodation has been
    expressly waived by statute.
    8
    One MOPERM policy was in place from July 1, 2013, to January 1, 2014, and a second policy was in
    place from January 1, 2014, to January 1, 2015. Though the policies are not identical, the variations between them
    are minor, and are immaterial to determining whether the policies afforded coverage to the School District for the
    claims alleged in Counts II and III of B.Z.'s petition. The policies are thus collectively referred to in this opinion as
    "policy."
    9
    Respondent granted partial summary judgment for the Individual Defendants on Count I of the petition as
    the Individual Defendants were not been named in B.Z.'s complaint filed with the Missouri Commission on Human
    Rights ("MCHR"). As a result of the Respondent's summary judgment rulings, the School District is the sole
    remaining defendant under Count I of the petition, and the School District and the Individual Defendants remain
    defendants under Counts II and III of the petition.
    10
    The order issuing a preliminary writ of prohibition also ordered a stay of the Underlying Lawsuit until
    further order of this Court.
    4
    Court accepted transfer of the case, then retransferred the case for reconsideration in light
    of R.M.A. Our previous opinion issued on May 1, 2018 is withdrawn.
    Standard Applicable to Writs of Prohibition
    "This [c]ourt has discretion to issue and determine original remedial writs." State
    ex rel. Bayer Corp. v. Moriarty, 
    536 S.W.3d 227
    , 230 (Mo. banc 2017).                    "'The
    extraordinary remedy of a writ of prohibition is available: (1) to prevent the usurpation of
    judicial power when the trial court lacks authority or jurisdiction; (2) to remedy an excess
    of authority, jurisdiction or abuse of discretion where the lower court lacks the power to
    act as intended; or (3) where a party may suffer irreparable harm if relief is not granted.'"
    
    Id. (quoting State
    ex rel. Norfolk S. Ry. Co. v. Dolan, 
    512 S.W.3d 41
    , 45 (Mo. banc 2017)).
    "'Prohibition is particularly appropriate when the trial court, in a case where the [pertinent]
    facts are uncontested, wrongly decides a matter of law thereby depriving a party of an
    absolute defense.'" State ex rel. Div. of Motor Carrier & R.R. Safety v. Russell, 
    91 S.W.3d 612
    , 616 (Mo. banc 2002) (quoting State ex rel. City of Marston v. Mann, 
    921 S.W.2d 100
    ,
    102 (Mo. App. S.D. 1996)).
    "Normally, we are reluctant to utilize the writ [of prohibition] for the purposes of
    reviewing a denial of summary judgment or to correct trial court error." State ex rel.
    O'Blennis v. Adolf, 
    691 S.W.2d 498
    , 500 (Mo. App. E.D. 1985). However, "[p]rohibition
    is generally the appropriate remedy to forestall unwarranted and useless litigation." 
    Id. (citing State
    ex rel. New Liberty Hosp. Dist. v. Pratt, 
    687 S.W.2d 184
    , 187 (Mo. banc
    1985)). "Forcing upon a defendant the expense and burdens of trial when the claim is
    clearly barred is unjust and should be prevented." State ex rel. Howenstine v. Roper, 155
    
    5 S.W.3d 747
    , 749 (Mo. banc 2005) (citing 
    O'Blennis, 691 S.W.2d at 500
    ), abrogated on
    unrelated grounds by Southers v. City of Farmington, 
    263 S.W.3d 603
    (Mo. banc 2008).
    Because there is no right of appeal from the denial of a motion for summary judgment, the
    refusal to utilize a writ where the issues before the court are solely matters of law would
    compel a defendant to defend "unwarranted and useless litigation at great expense and
    burden." 
    O'Blennis, 691 S.W.2d at 500
    ; see also State ex rel. New Liberty Hosp. 
    Dist., 687 S.W.2d at 187
    (holding that where "appeal fails to afford adequate relief, prohibition is the
    appropriate remedy to forbear patently unwarranted and expensive litigation,
    inconvenience and waste of time and talent"). Thus, prohibition is an appropriate remedy
    when "a defendant is clearly entitled to immunity." State ex rel. Bd. of Trs. of City of North
    Kansas City Mem'l Hosp. v. Russell, 
    843 S.W.2d 353
    , 355 (Mo. banc 1992). And
    prohibition is an appropriate remedy where a petition fails to state a viable theory of
    recovery, entitling the relator to be dismissed. State ex rel. Henley v. Bickel, 
    285 S.W.3d 327
    , 330 (Mo. banc 2009); State ex rel. Union Elec. Co. v. Dolan, 
    256 S.W.3d 77
    , 81-82
    (Mo. banc 2008). However, "[a] writ of prohibition does not issue as a matter of right.
    Whether a writ should issue in a particular case is a question left to the sound discretion of
    the court to which application has been made." Derfelt v. Yocom, 
    692 S.W.2d 300
    , 301
    (Mo. banc 1985) (internal citation omitted).
    Analysis
    This writ proceeding requires us to resolve two issues: (i) whether the School
    District, a political subdivision, is a "person" subject to liability for public accommodation
    discrimination pursuant to section 213.065; and (ii) whether the School District's
    6
    MOPERM policy waived sovereign immunity for the common law torts alleged in Counts
    II and III of B.Z.'s petition by affording the School District coverage. The first issue is
    controlled by the Supreme Court's recent decision in R.M.A., 
    568 S.W.3d 420
    , 429-30 (Mo.
    banc 2019). The second issue requires us to construe an insurance policy, a question of
    law. Seeck v. Geico General Ins. Co., 
    212 S.W.3d 129
    , 132 (Mo. banc 2007). We review
    questions of law de novo. Mantia v. Mo. Dep't of Transp., 
    529 S.W.3d 804
    , 808 (Mo. banc
    2017).
    I.
    Whether the School District is subject to liability for discrimination in public
    accommodation pursuant to section 213.065
    Count I of B.Z.'s petition alleges discrimination pursuant to the MHRA, and
    specifically, discrimination in public accommodation pursuant to section 213.065. B.Z.
    alleges that the School District11 directly or indirectly discriminated against her use of a
    public elementary school12 on the grounds of sex.
    Section 213.065.2 describes the statutory claim for discrimination in public
    accommodation:
    It is an unlawful discriminatory practice for any person, directly or
    indirectly, to refuse, withhold from or deny any other person, or to attempt
    to refuse, withhold from or deny any other person, any of the
    accommodations, advantages, facilities, services, or privileges made
    available in any place of public accommodation, as defined in section
    11
    As previously explained, Count I of the petition also named the Individual Defendants. However, the
    Individual Defendants were granted summary judgment on Count I of the petition because they were not named in
    the administrative complaint B.Z. filed with the MCHR. As a result, the School District is the only remaining
    defendant under Count I.
    12
    Missouri courts have concluded that a public school is a place of public accommodation as defined in
    section 213.010(15). Doe ex rel. Subia v. Kansas City, Mo. Sch. Dist., 
    372 S.W.3d 43
    , 48-50 (Mo. App. W.D.
    2012).
    7
    213.010 and this section, or to segregate or discriminate against any such
    person in the use thereof on the grounds of race, color, religion, national
    origin, sex, ancestry, or disability.
    (Emphasis added.) Section 213.065.2 limits those who can be liable for discrimination in
    public accommodation to "any person." Under the MHRA, the term "person" is statutorily
    defined as follows:
    [I]ncludes one or more individuals, corporations, partnerships, associations,
    organizations, labor organizations, legal representatives, mutual companies,
    joint stock companies, trusts, trustees, trustees in bankruptcy, receivers,
    fiduciaries, or other organized groups of persons.
    Section 213.010(14).
    The School District alleges that it is a political subdivision, and that political
    subdivisions are not included in the statutory definition of "person." As such, the School
    District alleges it is not a "person" subject to liability for discrimination in public
    accommodation pursuant to section 213.065.2. This issue of statutory construction was
    resolved in 
    R.M.A., 568 S.W.3d at 429-30
    , where our Supreme Court concluded that school
    districts and school boards "are 'persons' as defined by section 213.010(14) and used in
    section 213.065."
    The preliminary writ of prohibition we issued directing that Respondent take no
    further action as to the School District in the Underlying Lawsuit is quashed with respect
    to Count I of B.Z.'s petition.
    8
    II.
    Whether the School District's MOPERM policy waives sovereign immunity by affording
    coverage for the School District for the common law tort claims alleged in Counts II and
    III of the plaintiff's petition
    The School District argues that it enjoys sovereign immunity for the common law
    torts alleged in Counts II and III of B.Z.'s petition. Respondent argues that the School
    District's sovereign immunity for common law torts was waived by the acquisition of
    liability insurance.
    Section 537.600.1 codifies sovereign immunity for tort liability as existed at
    common law, except to the extent waived, abrogated or modified by statutes in effect prior
    to September 12, 1977,13 and except for injuries resulting from a public employees'
    operation of a motor vehicle in the course of their employment, or injuries caused by the
    condition of a public entity's property.              Section 537.600.1(1), (2).          These statutory
    exceptions to sovereign immunity are not at issue in this case.
    Section 537.610.1 also addresses waiver of sovereign immunity and provides, in
    relevant part:
    [T]he governing body of each political subdivision of this state,
    notwithstanding any other provision of law, may purchase liability
    insurance for tort claims, made against . . . the political subdivision, but the
    maximum amount of such coverage shall not exceed two million dollars for
    all claims arising out of a single occurrence and shall not exceed three
    hundred thousand dollars for any one person in a single accident or
    occurrence, . . . and no amount in excess of the above limits shall be awarded
    or settled upon. Sovereign immunity . . . is waived only to the maximum
    
    13 Jones v
    . State Highway Comm'n, was decided on September 12, 1977, and abrogated sovereign immunity
    for tort 
    liability. 557 S.W.2d at 230
    n.15. Section 537.600 abrogated that decision.
    9
    amount of and only for the purposes covered by such policy of insurance
    purchased pursuant to the provisions of this section . . . .
    (Emphasis added.) By its plain terms, section 537.610.1 provides for the waiver of
    sovereign immunity if a political subdivision purchases liability insurance for tort claims
    made against the political subdivision.     "[W]hen a public entity purchases liability
    insurance, [section] 537.610.1 provides that immunity is waived as to torts other than those
    set out in [section] 537.600 to the extent of and for the specific purposes covered by the
    insurance purchased." Brennan By & Through Brennan v. Curators of the Univ. of Mo.,
    
    942 S.W.2d 432
    , 434 (Mo. App. W.D. 1997).
    "The plaintiff shoulders the burden of proving the existence of an insurance policy,
    and that the terms of the policy cover the claims asserted by the plaintiff against the
    [political subdivision]." Topps v. City of Country Club Hills, 
    272 S.W.3d 409
    , 415 (Mo.
    App. E.D. 2008). Here, it is uncontroverted that the School District purchased a MOPERM
    policy. The parties dispute, however, the extent to which the policy provides coverage "for
    tort claims, made against . . . the [School District]."   Section 537.610.1. Whether the
    School District's MOPERM policy waives sovereign immunity "is expressly dictated, and
    limited, by the terms of the insurance policy." 
    Topps, 272 S.W.3d at 415
    . In making this
    determination, "we are guided by the policy language alone." 
    Id. Section I
    of the MOPERM policy is entitled "WHAT MOPERM PAYS." Section
    I, subparagraph A is entitled "COVERAGE." Coverage is afforded to the School District
    for claims made against the School District by two provisions: subparagraph A.1 and
    subparagraph A.2.
    10
    Subparagraph A.1 provides, in part:
    Coverage for the Member Agency14 for claims on causes of action
    established by Missouri Law. For claims of causes of action established by
    Missouri Law, MOPERM will pay on behalf of the Member Agency the
    ultimate net loss the Member Agency shall become legally obligated to pay
    by reason of liability arising out of:
    a. Injuries directly resulting from the negligent acts or omissions by public
    employees arising out of the operation of motorized vehicles within the
    course of their employment;
    b. Injuries caused by the condition of a public entity's property . . . .
    Section I, subparagraph A.1 of the policy thus provides the School District "with coverage
    [for claims against it] for the two express exceptions to [section] 537.600, negligent
    operation of motor vehicles and injuries caused by the condition of a public entity's
    property." Moses v. County of Jefferson, 
    910 S.W.2d 735
    , 736 (Mo. App. E.D. 1995). As
    these statutory exceptions to sovereign immunity are not at issue in this case, Section I,
    subparagraph A.1 of the MOPERM policy is not relevant to the Respondent's contention
    that the School District waived sovereign immunity by acquiring insurance.
    Section I, subparagraph A.2 provides:
    Coverage for Member Agency for claims on causes of action other than
    those established by Missouri Law; and coverage for public officials and
    employees. For claims against the Member Agency on causes of action
    other than those established by Missouri Law and for claims against public
    officials and employees, MOPERM will pay the ultimate net loss which the
    14
    The School District is identified as the "Member Agency" on the policy's Declaration Page.
    11
    Covered Party shall become legally obligated to pay by reason of liability
    for damages because of:
    COVERAGE A - BODILY INJURY LIABILITY
    COVERAGE B - PROPERTY DAMAGE LIABILITY
    COVERAGE C - PUBLIC OFFICIALS ERRORS AND OMISSIONS
    LIABILITY
    COVERAGE D - PERSONAL INJURY LIABILITY
    to which this memorandum applies, caused by or arising out of an
    occurrence.
    (Emphasis added.) The bold and italicized text in Section I, subparagraph A.2 provides
    coverage for the School District for "claims on causes of action other than those established
    by Missouri Law," and as to this narrow category of covered claims, agrees to pay losses
    the School District is legally obligated to pay. "[C]laims on causes of action other than
    those established by Missouri Law" has a settled meaning, and "provide[s] protection . . .
    against claims under federal statutes, as in Owen v. City of Independence, 
    445 U.S. 622
    ,
    
    100 S. Ct. 1398
    , 
    63 L. Ed. 2d 673
    (1980), or for claims against the [School District] for
    injuries occurring in another state pursuant to California v. Nevada, 
    447 U.S. 125
    , 
    100 S. Ct. 2064
    , 
    65 L. Ed. 2d 1
    (1980)." 
    Moses, 910 S.W.2d at 736
    . Counts II and III of B.Z.'s
    petition are not claims on causes of action "other than those established by Missouri law."
    Consistent with this fact, Respondent does not rely on the bold and italicized text in Section
    I, subparagraph A.2 to contend that the School District waived sovereign immunity by
    acquiring insurance.
    Instead, Respondent relies solely on the underlined text in Section I, subparagraph
    A.2 to argue that the School District acquired insurance which waived sovereign immunity.
    The underlined text in Section I, subparagraph A.2 provides coverage "for public officials
    12
    and employees." Unlike the coverage afforded the School District by subparagraph A.2,
    the coverage afforded to public officials and employees by subparagraph A.2 is not limited
    to particular claims. Rather, subparagraph A.2 "provides coverage 'for public officials and
    employees on all claims,'" 
    Moses, 910 S.W.2d at 737
    , and with respect to "all claims"
    against public officials and employees, the policy obligates MOPERM to pay for damages
    within Coverages A through D.15 Respondent reasons that the coverage for public officials
    and employees for "all claims" constitutes the acquisition of coverage by the School
    District for "all claims" because the School District is liable for the negligent acts and
    omissions of its employees pursuant to the doctrine of respondeat superior.
    Respondent's argument is without merit.                           The argument disregards that
    "[r]espondeat superior is not a cause of action but rather a theory under which an employer
    is held responsible for the misconduct of a [sic] employee where that employee is acting
    within the course of scope of his employment." Dibrill v. Normandy Assocs., Inc., 
    383 S.W.3d 77
    , 89 n.6 (Mo. App. E.D. 2012). Because political subdivisions act through their
    employees, recovery against a political subdivision in tort is almost universally pursuant to
    the doctrine of respondeat superior. See 
    Southers, 263 S.W.3d at 609
    (concluding the
    same for actions to recover damages pursuant to the motor vehicle sovereign immunity
    waiver found in section 537.600.1(1)). By its very essence, therefore, sovereign immunity
    protects the state and its political subdivisions from liability, including respondeat superior
    15
    Damages sought in Count II and III of B.Z.'s petition fall within Coverage C for Public Officials Errors
    and Omissions (defined by the policy to include "any and all breaches of duty . . . arising from negligent action or
    inaction, mistake, misstatement, error, neglect, inadvertence or omission . . . in the discharge of duties with the
    Member Agency"), and Coverage D for Personal Injury Liability (defined by the policy to include "discrimination
    prohibited by law").
    13
    liability, unless sovereign immunity for the political subdivision is expressly waived. The
    MOPERM policy's express extension of coverage to public officials and employees for
    their personal liability does not constitute an express extension of coverage for the School
    District's respondeat superior liability. "It is often possible to sue a public official or an
    employee on a claim against which the public agency is protected by sovereign immunity,
    and one can well understand why [a political subdivision] might want to protect its
    functionaries against individual liability." 
    Moses, 910 S.W.2d at 737
    . However, "[t]his
    provision [in a policy] does not [operate to] waive the [political subdivision's sovereign]
    immunity. 
    Id. Thus, the
    MOPERM policy does not provide the School District with coverage for
    respondeat superior liability as to all common law tort claims merely because it provides
    coverage to public officials and employees for such claims. As such, the School District
    has not waived sovereign immunity for the common law torts asserted in Counts II and III
    of B.Z.'s petition. Were we to conclude to the contrary, then the provisions in Section I,
    subparagraphs A.1 and A.2 expressly limiting the coverage afforded the School District
    would be rendered superfluous. "[W]e aim to give a reasonable meaning to every provision
    [of an insurance policy] and to avoid an interpretation that renders some provisions trivial
    or superfluous." Nooter Corp. v. Allianz Underwriters Ins. Co., 
    536 S.W.3d 251
    , 264 (Mo.
    App. E.D. 2017).
    Consistent with our conclusion, the MOPERM policy explicitly disclaims coverage
    for the School District beyond that expressly provided by the policy. "'Insurance policies
    are read as a whole, and the risk insured against is made up of both the general insuring
    14
    agreement as well as the exclusions and definitions.'" Owners Ins. Co. v. Craig, 
    514 S.W.3d 614
    , 617 (Mo. banc 2017) (quoting Dutton v. Am. Family Mut. Ins. Co., 
    454 S.W.3d 319
    , 323-24 (Mo. banc 2015)). The MOPERM policy disclaimer states:
    Nothing contained in this section, or the balance of this document, shall be
    construed to broaden the liability of the [School District] beyond the
    provisions of Sections 537.600 to 537.610, RSMo, nor to abolish or waive
    any defense at law which might otherwise be available to the [School
    District] or its officers and employees.
    A nearly identical disclaimer provision was at issue in Topps v. City of Country Club Hills,
    where it was held that:
    Because a number of courts have held that "a public entity retains its full
    sovereign immunity when the insurance policy contains a disclaimer stating
    that the entity's procurement of the policy was not meant to constitute a
    waiver of sovereign immunity," the disclaimer provision in the City's
    [insurance] policy acts to retain the City's sovereign 
    immunity. 272 S.W.3d at 418
    (quoting Parish v. Novus Equities Co., 
    231 S.W.3d 236
    , 246 (Mo. App.
    E.D. 2007)). The Topps court added that the disclaimer's references to sections 537.600
    and 537.610 clearly indicated an intent to disclaim any waiver of sovereign immunity. 
    Id. The disclaimer
    provision in the MOPERM policy reinforces that coverage is
    afforded to the School District, but only for claims made against the School District
    (including on a theory of respondeat superior liability): (1) for causes of action arising out
    of Missouri law, limited to injuries directly resulting from the negligent operation of motor
    vehicles and injuries caused by a dangerous property condition (Section I, subparagraph
    A.1); and (2) for causes of action not arising out of Missouri law, construed as claims
    arising under federal law, or from injuries occurring in another state (Section I,
    subparagraph A.2). The MOPERM policy does not afford the School District coverage for
    15
    respondeat superior liability for any other claims. As plainly stated in section 537.610.1,
    sovereign immunity is waived by the acquisition of liability insurance "only for the
    purposes covered by such policy of insurance." The School District's sovereign immunity
    for the common law tort claims alleged in Counts II and III of B.Z.'s petition was not
    waived by the acquisition of liability insurance pursuant to section 537.610.1.
    Conclusion
    The preliminary writ of prohibition we issued directing that Respondent take no
    further action as to the School District in the Underlying Lawsuit is quashed with respect
    to Count I of B.Z.'s petition. The preliminary writ of prohibition we issued directing that
    Respondent take no further action as to the School District in the Underlying Lawsuit is
    made permanent with respect to Counts II and III of B.Z.'s petition.
    This matter is remanded to the trial court with instructions to enter summary
    judgment in favor of the School District in the Underlying Lawsuit on Counts II and III of
    B.Z.'s petition. In all other respects, this Court's general stay of proceedings in the
    Underlying Lawsuit is lifted.
    __________________________________
    Cynthia L. Martin, Judge
    All concur
    16