A major insurance company is seeking clarity in federal court regarding its responsibilities for a workplace accident that occurred at The Cheesecake Factory. Scottsdale Insurance Company has filed a complaint in the US District Court for the District of Nevada, asking a judge to determine whether it must cover the costs of a serious injury suffered by an employee.
On August 6, 2025, Scottsdale Insurance submitted its complaint against All Type, LLC, the company that provided maintenance services to The Cheesecake Factory. The case is officially titled Scottsdale Insurance Company v. All Type, LLC, et al., and is registered under Case No. 2:25-cv-01452.
The issue stems from an agreement made on November 9, 2022, between All Type and The Cheesecake Factory. This contract required All Type to maintain commercial general liability insurance and to list The Cheesecake Factory as an additional insured party. The agreement was set to last until December 31, 2023.
The incident in question occurred on June 24, 2023, when Amy Reyes, a bartender at The Cheesecake Factory in Henderson, Nevada, sustained an electric shock while cleaning a refrigerator. Reyes reported severe injuries, including damage to her head, neck, and upper extremities, along with ongoing neurological pain. She has since received a “Permanent Partial Disability Rating” and anticipates ongoing medical expenses.
Reyes has filed her own lawsuit against All Type in Clark County District Court, claiming negligence and other related charges. Additionally, The Cheesecake Factory and Corvel Corporation have initiated a separate lawsuit against All Type to recover over $100,000 in workers’ compensation benefits paid to Reyes, as well as for her ongoing medical treatment and lost wages. These two cases have been consolidated as of June 2, 2025.
Scottsdale Insurance argues that its policy, effective from October 5, 2022, to October 5, 2023, includes an “Injury To Employee And Worker Exclusion” clause. This clause states that the policy does not cover injuries to employees or workers of any insured party if the injury occurs during the course of their employment. Scottsdale asserts that this exclusion means there is no coverage for Reyes’s claims or those from The Cheesecake Factory and Corvel Corporation.
While Scottsdale has agreed to defend All Type in the lawsuits, it is doing so under a reservation of rights, meaning it does not acknowledge any obligation to cover the claims. The insurer is now seeking a judicial ruling to confirm that it has no duty to defend or indemnify All Type and is entitled to reimbursement for the defense costs it has incurred.
As of now, the case remains in its early stages, with no final decision from the court. The situation highlights the complexities of insurance coverage in workplace injury cases and the importance of understanding the terms of insurance policies.