ÿWPC` *c)…’,V呎¶HœK-9ø¢B{ƒüº&áh! €däÑ@¯ÚøCÉisG¢™Ú7åDÄ ZË'´ùU§ü£¶To„®DZâ&Ŧg|mšb0ã εÔïíoø;Ù˜›á)zÄ,²$¿²ln’¾½õ†hghÔݸò°šQ‘_`°›ÿæ± Ï Ú$ú°2WÄôß䤹>0Vý6¹%•k+>\E!ÉàÇÝSÙÁ׉Íʇèà BŠcÀ!ä–|.x†rØÎ ¶My±“° È?˜ÅŠœjXþ/ȹórÆ<ý¥€_S $œ‰¶d8\ù"Š/¢Få)C[žwxZ:ì ™^t¬ò5 D˜²ŒÎZú²X$NrìN/íј.Àì<øÁ¦‹é3ÒŒŸp~ÉÔŒ¹#© jräEÎ]Íž"lsÙŒ böe ‚G%Ç%Èé!XóñLqzcðÃ`¸}¢EvVñLSO)÷jy=ô ›õÒàX3~‹Åyjã#¬e¡6ÔeýÊû övþdcY²¢½cg7bZ¶wÝ’¥>lro‹Œ¨Wœ«—àtEöÀÿ!}k4ó±‡N6—†ÏÁÒ`Þ uœ°Ú© +„CÌòjp‚zôÜ0Úb %\^ b 0ˆnUNöwD4H\ zkÒå· m¹ #ÁÐ ì‘ Æ} ÆC Æ ÆÏ 0D•NÙÙÛEãpåååååååååååååååååååååååbUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU 0ë]]]] BHH 0¤e D3  D-< 0Kii AS´Æ 0¤Í 0Dq A«µ»¯p4-s (`£ª$¡¡Ñ€.ÑÑ8€½­»»d»»d8ÑÑ ý ÑÓ  Ó(í€"  Z6Times New Roman Regularš‚,-mit Ü¦3|x ˜C:\PROGRA~1\COREL\WORDPE~1\TEMPLATE\CUSTOM~1\REVISE~1.WPTC:\Program Files\Corel\WordPerfect Office 2000\Template\Custom WP Templates\revised standard opinion.wptÿU‹ÿÀÀÀ˜HP LaserJet 4050 Series PCL 6ÈÈ,,,,ÈÈ0 âÝ ƒRôµ$ÝÓ  Óà  àòòÚ  Ú1Ú  ÚóóÔ€ô°Mò»»ÔÝ  ÝÔ_Ô€€Apparently,€invoices€had€not€been€sent€to€either€Cornerstone€or€Governors€Club€prior€to€this€time.Level 1Level 2Level 3Level 4Level 5‚Level 1Level 2Level 3Level 4Level 5„Level 1Level 2Level 3Level 4Level 5…Level 1Level 2Level 3Level 4Level 5(#Ã$òòÚ  Ú0Ú  Úóó  fÝ ƒRôµ$ÝÓ  Óà  àòòÚ  Ú2Ú  ÚóóÔ€ô°Mò»»ÔÝ  ÝÔ_ÔIn€the€majority€of€cases,€the€insured€seeks€to€enforce€the€insurance€contract€in€order€to€obtain€coverage,€ratherÐ ° Ðthan€the€insurance€company€seeking€to€enforce€the€contract€in€order€to€obtain€payment€of€premiums.- ù-(|G2ôµ$¤¤Ý ƒ£ª!ÝÑ€.ÑÑ8€å»»dd8ÑÑ ý ÑÓ  ÓÝ  Ýà  àòòÚ  Ú0Ú  ÚóóÔ€ô°Mò»»Ô d(|3¿|$££Ý ƒ£ª!ÝÑ€.ÑÑ8€å»»dd8ÑÑ ý ÑÓ  ÓÝ  ÝVVVV'ÿÿdxd)!ÈÈÈÈdxdx( ±þ$’’ò òFigure€Ú  Ú1Ú  Úó ó^_X`YEþÿ<<CÿÿƒLevel 1Level 2Level 3Level 4Level 5(|3¿|$¢¢Ý ƒ£ª!ÝÑ€.ÑÑ8€å»»dd8ÑÑ ý ÑÓ  ÓÝ  Ý($$””ò òÚ  Ú1Ú  Úó óX[Z&OLE 2.0 Box <=8ÿÿÿÿÿÿÿÿÿÿCÿÿ HKKKKÝ ƒ£ª!ÝÑ€.ÑÑ8€å»»ddÈ8ÑÑ ý ÑÓ  ÓÝ  ÝÔ_ÔÑ  ÑÔ€¼å»»»ÔÑ8€XÉXXdì»»d8ÑÑ  Ñà@ü ü ìàÔ‡î$åÔIN€THE€COURT€OF€APPEALS€OF€TENNESSEEˆÐ ° Ðà@kk$ìàAT€NASHVILLEÔ#†¼å»îî$ #ԈРÖ& ÐÓ  ÓApril€2,€2002€SessionÐ üL ÐÔ‡XXÉX»¼åÔÌò òÔ#†¼å»XXXÉò#ÔGALE€SMITH€&€COMPANY,€INC.€v.€THE€GOVERNORS€CLUB,€Ô_ÔL.L.C.Ô_ÔòòóóÔ‡XXÉX»¼åÔó óÐ úJ ÐÌà@@½½ìàò ò€Appeal€from€the€Circuit€Court€for€Williamson€CountyÐ ú J Ðà@@øøìàNo.€2K578€€€€€€Timothy€L.€Easter,€JudgeÐ æ 6 ÐÌÌà@@ìì*ìàßA€V) °°` d€÷E<©` AßÐ ªú  ÐÌà@@TTìàNo.€M2001„01616„Ô_ÔCOAÔ_Ô„R3„CV€„€Filed€September€20,€Ô_Ô2002Ô_ÔÐ ¥õ  ÐÌßA€V) °°` dE<|` AßÐ }Í  Ðó óÌÓ  ÓThis€is€a€breach€of€contract€case.€€The€defendant€real€estate€developer€developed€a€golf€club.€€TheÐ xÈ  Ðplaintiff€insurance€broker€entered€into€an€insurance€binder€with€the€manager€of€the€golf€club.€TheÐ d´ Ðð ðmasterðð€binder€covered€five€separate€properties€with€which€the€manager€was€involved.€€The€binderÐ P  Ðlisted€another€of€the€managerððs€entities€as€the€insured.€€Ô#†¼å»XXXÉ–#ÔÔ‡XXÉX»¼åÔThe€manager€was€later€terminated€by€theÐ <Œ Ðdefendant€and€a€new€management€company€was€hired€to€manage€the€golf€club.€€The€insurance€brokerÐ (x Ðthen€issued€a€separate€policy€naming€the€defendant€as€the€insured€and€sent€invoices€for€the€unpaidÐ d Ðpremiums€to€the€new€management€company.€€The€management€company€declined€to€pay€theÐ P Ðpremiums.€€The€insurance€broker€then€filed€suit€against€the€defendant.€€The€trial€court€entered€aÐ ì< Ðjudgment€for€the€insurance€broker€for€all€unpaid€premiums€due€under€the€insurance€binder,€plusÐ Ø( Ðinterest.€€We€affirm,€finding€that€manager€had€the€apparent€authority€to€enter€into€an€insuranceÐ Ä Ðcontract€and€that€there€was€a€contract€for€insurance€between€the€parties.€€€€€€€€€€€€Ô#†¼å»XXXɲ#ÔÔ‡XXÉX»¼åÔÐ ° ÐÌÓÛÓò òTenn.€R.€Civ.€P.€3€Appeal€as€of€Right;€Judgment€of€the€Circuit€Court€Affirmedó óÐ ˆØ ÐÌòòÓ  ÓÔ#†¼å»àXXÉ6 #ÔÔ‡XXÉX.¼åÔHolly€Kirby€Lillard,€J.óó,€delivered€the€opinion€of€the€court,€in€which€òòW.€Frank€Crawford,€P.J.,Ð `° ÐW.S.,óó€and€òòDavid€R.€Farmer,€J.óó,€joined.Ð L œ ÐÌScott€K.€Haynes€and€Austin€L.€McMullen,€Nashville,€Tennessee,€for€the€appellant,€The€GovernorsÐ $"t! ÐClub,€L.L.C.Ð #`" ÐÌMark€B.€Reagan,€Nashville,€Tennessee,€for€the€appellee,€Gale€Smith€&€Company,€Inc.Ð è$8 $ ÐÓç ÓÌò òOPINIONó óÔ#†¼å»XXXÉ #ÔÔ‡XXÉX»¼åÔÐ À&"& ÐÌòòóóÔ#†¼å»XXXÉ0 #ÔÓ  ÓÔ€XXÉX»¼åÔÓ Óà  àPlaintiff/Appellee€Gale€Smith€&€Company,€Inc.€(ð ðGale€Smithðð)€is€a€Tennessee€insuranceÐ ˜(è#( Ðbroker.€€Defendant/Appellant€The€Governors€Club,€Ô_ÔL.L.C.Ô_Ô€(ð ðGovernors€Clubðð)€is€a€TennesseeÐ „)Ô$) ÐLimited€Liability€Company€engaged€in€real€estate€development.€€The€Governors€Clubððs€propertiesÐ p*À%* Ðinclude€a€golf€club,€The€Governors€Club€at€Pleasant€Hill€(ð ðGolf€Clubðð),€located€in€WilliamsonÐ \+¬&+ ÐCounty,€Tennessee.€€David€Miller€(ð ðMillerðð)€served€as€the€developer€and€manager€of€the€Golf€Club,Ð H,˜', Ðthrough€an€entity€known€as€MSB€Governors,€L.L.C.€(ð ðMSBðð).€Ð 4-„(-ý Ðà  àIn€June,€1999,€Miller€met€with€Phil€Hester€(ð ðHesterðð),€an€employee€of€Gale€Smith.€€In€thisÐ ° Ðmeeting,€ò òó óa€ð ðmasterðð€insurance€binder€was€drawn€up€for€general€liability€and€workerððs€compensationÐ œì Ðinsurance€for€five€properties€managed€by€Miller,€including€the€Golf€Club.€€The€binder€listed€theÐ ˆØ Ðinsured€as€Cornerstone€Management,€Inc.€(ð ðCornerstoneðð),€another€entity€managed€by€Miller.€€In€theÐ tÄ Ðsection€of€the€binder€titled€ð ðSpecial€Conditions/Other€Coverages,ðð€however,€several€entities€are€listedÐ `° Ðas€insureds,€including€the€Governors€Club€as€well€as€Cornerstone.€€After€the€original€binder€wasÐ L œ Ðissued,€Paul€Craig€(ð ðCraigðð),€the€chief€financial€officer€of€the€several€entities€for€which€Miller€hadÐ 8 ˆ Ðresponsibility,€told€Hester€to€remove€the€Governors€Club€ò òó óproperties€from€the€master€policy€and€issueÐ $ t Ða€separate€policy€with€the€Golf€Club€as€the€named€insured.€€€€à È àÐ  ` Ðà  àOn€July€30,€1999,€Governors€Club€sent€Miller€a€letter€terminating€MSB€as€the€manager€ofÐ è 8  Ðthe€Golf€Club.€€The€letter€stated€that,€ð ðas€a€result€of€this€removal,€MSB€has€no€authority€to€manageÐ Ô$  Ðor€otherwise€act€on€behalf€of€the€LLC€or€the€project€known€as€The€Governors€Club€at€Pleasant€Hill.ðð€Ð À  ÐSubsequently,€on€September€15,€1999,€Craig€sent€a€letter€to€Hester,€telling€him€that€the€Golf€ClubððsÐ ¬ü  Ðnew€manager,€Eagle€Investments,€Ô_ÔL.L.C.Ô_Ô€(ð ðEagleðð),€had€obtained€insurance€through€another€broker.€Ð ˜è  ÐTherefore,€Craigððs€letter€stated,€the€effective€dates€of€the€binder€would€be€June€16,€1999€to€July€31,Ð „Ô  Ð1999.€€Craigððs€letter€also€informed€Hester€that€all€bills€for€premiums€due€under€the€Golf€Club€policyÐ pÀ Ðshould€be€sent€to€Eagle.€Ð \¬ Ðà  àOn€October€18,€1999,€Gale€Smith€issued€new€policies€for€the€Golf€Club€property€for€theÐ 4„ Ðperiod€of€June€15,€1999€to€August€1,€1999.€€The€new€policies€named€Governors€Club€as€the€insured.€Ð  p ÐOn€October€29,€1999,€invoices€were€sent€to€Eagle€for€the€insurance€premiums€due€on€the€Golf€ClubððsÐ  \ Ðcommercial€package€policy€and€workerððs€compensation€policy€for€the€effective€period.׃ ×Ý ƒ#ÃÝòòÚ  Ú1Ú  ÚóóÝ  Ý×  ×€€Eagle€didÐ øH Ðnot€pay€the€premiums.Ð ä4 Ðà  àConsequently,€Gale€Smith€filed€suit€in€general€sessions€court€against€Governors€Club€toÐ ¼  Ðrecover€unpaid€insurance€premiums€due€under€the€policy.€€In€general€sessions€court,€Gale€Smith€wasÐ ¨ø Ðawarded€a€default€judgment.€€Governors€Club€appealed€the€default€judgment€to€the€WilliamsonÐ ”ä ÐCounty€Circuit€Court.€€Ð €Ð Ðà  àAt€the€trial€in€circuit€court,€Hester€testified€about€his€negotiations€with€Miller.€€Hester€statedÐ X ¨ Ðthat€when€he€was€negotiating€with€Miller,€he€believed€that€ð ðDavid€Miller€was€The€Governors€Club.ðð€Ð D!” ÐHester€testified€that€Gale€Smith€ð ðbound€all€David€Miller€entitiesðð€as€of€June€15,€1999.€€MillerÐ 0"€  Ðtestified€as€well,€acknowledging€that,€at€the€time€he€was€negotiating€with€Hester€about€the€insurance,€Ð #l! Ðthere€were€limitations€on€his€authority.€€Miller,€however,€did€not€tell€Gale€Smith€of€the€limitationsÐ $X" Ðon€his€authority.€€The€record€does€not€indicate€that€any€claims€were€filed€on€the€insurance€policyÐ ô$D # Ðduring€the€time€period€in€question.€€€Ð à%0!$ ÐÐ  ¸'#& Ðà  àAfter€the€trial,€the€trial€court€issued€the€following€findings:Ð ° ÐÒ°ÒÒ°Ò1.€€€That€a€contract€existed€between€the€Plaintiff€and€the€Defendant€with€respect€to€Ð ˆØ Ðthe€insurance€policies€which€were€the€subject€of€this€lawsuit.Ð tÄ Ð2.€€That€the€contract€was€entered€into€with€apparent€or€ostensible€authority€andÐ L œ Ðsupported€by€privity€of€contract€between€the€parties.Ð 8 ˆ Ð3.€€That€the€defendant€Governors€Club,€L.L.C.€is€in€breach€of€said€contract€in€theÐ  ` Ðamount€of€Twelve€Thousand€Seven€Hundred€Fourteen€Dollars€($12,714.00).Ð ü L  ÐÒ° ÒÒ°ÒThus,€the€trial€court€found€that€a€contract€for€insurance€existed€between€the€parties€and€thatÐ Ô$  ÐGovernors€Club€owed€Gale€Smith€for€the€unpaid€premiums.€€On€May€31,€2002,€the€trial€courtÐ À  Ðentered€a€judgment€awarding€Gale€Smith€the€amount€of€the€unpaid€premiums€plus€interest,€for€a€totalÐ ¬ü  Ðjudgment€of€$13,460.81.€€From€this€order,€The€Governors€Club€now€appeals.Ð ˜è  Ðà  àOn€appeal,€Governors€Club€argues€that€the€trial€court€erred€in€finding€that€a€contract€forÐ pÀ Ðinsurance€existed€between€the€parties.€€Governors€Club€first€argues€that€Miller€lacked€the€authorityÐ \¬ Ðto€enter€into€the€insurance€binder€on€behalf€of€Governors€Club.€In€addition,€Governors€Club€arguesÐ H˜ Ðthat,€even€if€Miller€had€such€authority,€Governors€Club€was€not€a€party€to€the€agreement.€€Ð 4„ Ðà  àOn€the€issue€of€whether€Miller€had€authority€to€enter€into€an€insurance€contract€on€behalf€ofÐ  \ ÐGovernors€Club,€ð ð[t]he€party€alleging€an€agency€relationship€and€the€scope€and€effect€of€an€agentððsÐ øH Ðapparent€authority,€bears€the€burden€of€proving€such€allegations€to€the€trier€of€fact.ðð€€ò òòòDurham€v.Ð ä4 ÐWaddell€&€Reed,€Inc.ó óóó,€723€S.W.2d€129,€131€(Tenn.€Ct.€App.€1986).€€On€appeal,€the€trial€courtððsÐ Ð  Ðfindings€on€the€existence€and€extent€of€an€agency€relationship€is€subject€to€de€novo€review€with€aÐ ¼  Ðpresumption€of€the€correctness€of€the€factual€finding€unless€a€preponderance€of€the€evidence€isÐ ¨ø Ðotherwise.€€ò òòòSee€óóó óTenn.€R.€App.€P.€13(d).€€Ð ”ä Ðà  àHere,€the€trial€court€below€found€that€Miller€possessed€apparent€or€ostensible€authority€toÐ l¼ Ðenter€into€the€insurance€binder€on€behalf€of€Governors€Club.€€Apparent€authority€is€defined€as:Ð X ¨ ÐÒ°ÒÒ°Ò.€.€.€such€authority€as€the€principal€knowingly€permits€the€agent€to€assume€or€whichÐ 0"€  Ðhe€holds€the€agent€out€as€possessing;€such€authority€as€he€appears€to€have€by€reasonÐ #l! Ðof€the€actual€authority€which€he€has;€such€authority€as€a€reasonably€prudent€man,Ð $X" Ðusing€diligence€and€discretion,€in€view€of€the€principalððs€conduct,€would€naturallyÐ ô$D # Ðsuppose€the€agent€to€possess.Ð à%0!$ ÐÒ°ÒÒ°Òò òòòRich€Printing€Co.€v.€McKellarððs€Estateó óóó,€330€S.W.2d€361,€376€(Tenn.€Ct.€App.€1959)€(quoting€ò òòòS.Ð ¸'#& ÐRy.€Co.€v.€Pickleó óóó,€197€Ô_ÔS.W.Ô_Ô€675,€677€(Tenn.€1917)).€€Apparent€authority€must€be€established€throughÐ ¤(ô#' Ðthe€acts€of€the€principal€rather€than€those€of€the€agent.€€ò òòòBells€Banking€Co.€v.€Jackson€Centre,€Inc.ó óóó,Ð )à$( Ðâ â938€S.W.2d€421,€424€(Tenn.€Ct.€App.€1996).€€Governors€Club€argues€that€it€made€no€representationsÐ |*Ì%) Ðto€Gale€Smith€which€could€lead€a€reasonably€prudent€person€to€believe€that€Miller€had€the€authorityÐ ° Ðto€enter€into€a€binding€contract€on€its€behalf.Ð œì Ðâ âà  àA€general€agent€appointed€to€transact€business€on€the€principalððs€behalf€will€usually€possessÐ tÄ Ðthe€authority€to€carry€out€those€acts€which€are€commensurate€to€his€position.€€Thus,€this€Court€hasÐ `° Ðheld:€Ð L œ ÐÒ°ÒÒ°ÒIt€may€not€be€unreasonably€presumed,€where€nothing€is€indicated€to€the€contrary,€thatÐ $ t Ðsuch€an€agent€possesses€those€powers€which€are€commensurate€with€his€undertaking,Ð  ` Ðand€which€are€usually€and€properly€exercised€by€other€similar€agents€under€likeÐ ü L  Ðcircumstances.€€This€presumption€may€well€be€and€is€constantly€relied€upon€byÐ è 8  Ðpersons€dealing€with€such€agents,€and€so€reasonable,€proper€and€necessary€is€thisÐ Ô$  Ðreliance,€that€it€may€justly€be€required€that€if€the€principal€would€impose€unusualÐ À  Ðrestrictions€upon€the€authority€of€such€an€agent,€he€should€make€them€known€toÐ ¬ü  Ðpersons€who€may€have€occasion€to€deal€with€the€agent.Ð ˜è  ÐÒ°H0ÒÒ°Òò òòòOððShea€v.€First€Fed.€Sav.€&€Loan€Ô_ÔAssððnÔ_Ô€of€Columbiaó óóó,€405€S.W.2d€180,€183€(Tenn.€1966).€€Thus,Ð pÀ Ðwhile€an€agentððs€authority€may€be€limited€by€the€direction€of€his€principal,€if€the€other€party€to€theÐ \¬ Ðcontract€is€not€made€aware€of€that€limitation,€he€may€nevertheless€rely€on€the€agentððs€apparentÐ H˜ Ðauthority€to€take€those€actions€which€are€commensurate€with€his€position.€€ò òòòId.ó óóó;òòò ò€see€also€Corbitt€v.Ð 4„ ÐFed.€Kemper€Ins.€Co.ó óóó,€594€S.W.2d€728,€735€(Tenn.€Ct.€App.€1980).€€€€Ð  p Ðà  àIn€this€case,€it€is€undisputed€that,€prior€to€July€30,€1999,€Miller€was€the€manager€andÐ øH Ðdeveloper€of€the€Golf€Club.€€Therefore,€his€apparent€authority€would€extend€to€all€acts€andÐ ä4 Ðundertakings€commensurate€with€that€position€unless€otherwise€communicated€to€the€otherÐ Ð  Ðcontracting€partyòòò òó óóó.€€ò òòòó óóóHester€testified€at€trial€that€he€believed€that€ð ðDavid€Miller€was€The€GovernorsÐ ¼  ÐClubðð€and,€that€therefore,€Miller€had€the€authority€to€bind€Governors€Club€to€the€insurance€contract.€Ð ¨ø ÐMiller€testified€at€trial€that€his€authority€at€the€time€he€entered€into€the€agreement€with€Gale€SmithÐ ”ä Ðwas€limited€in€that€ð ðhe€had€to€submit€all€bills€to€a€third€party€before€he€could€pay€the€bills.ðð€€TheÐ €Ð Ðrecord,€however,€includes€no€evidence€that€Gale€Smith€was€informed€of€any€limitations€on€MillerððsÐ l¼ Ðauthority€prior€to€entering€into€the€agreement.€€Under€these€circumstances,€we€cannot€conclude€thatÐ X ¨ Ðthe€evidence€preponderates€against€òòóóthe€trial€courtððs€finding€that€Miller€had€ostensible€or€apparentÐ D!” Ðauthority€to€enter€into€the€contract€on€behalf€of€Governors€Club.Ð 0"€  Ðà  àGovernors€Club€next€argues€that€the€trial€court€erred€in€finding€that€it€was€a€party€to€theÐ $X" Ðwritten€insurance€binder.€€ð ðThe€interpretation€of€a€written€agreement€is€a€matter€of€law€and€not€ofÐ ô$D # Ðfact,€therefore,€our€review€is€de€novoòò€óóon€the€record€with€no€presumption€of€the€correctness€of€the€trialÐ à%0!$ Ðcourtððs€conclusions€of€law.ðð€€ò òòòNSA€Ô_ÔDBAÔ_Ô€Benefit€Plan,€Inc.€v.€Conn.€Gen.€Life€Ins.€Co.ó óóó,€968€S.W.2dÐ Ì&"% Ð791,€795„796€(Tenn.€Ct.€App.€1997).€€In€construing€an€insurance€contract,€ð ðthe€paramount€rule€.€.€.Ð ¸'#& Ðis€to€ascertain€the€intent€of€the€parties.€€That€intent€is€to€be€derived€from€the€four€corners€of€the€policyÐ ¤(ô#' Ðgiving€effect€to€all€parts.€€€òòò òó óóóHowever,€where€the€policy€is€ambiguous,€the€intent€of€the€parties€may€beÐ )à$( Ðderived€from€extrinsic€evidence€outside€the€policy.ðð€€òòò òBlue€Diamond€Coal€v.€Holland„Am.€Ins.€Co.ó óóó,Ð |*Ì%) Ð671€S.W.2d€829,€833€(Tenn.€1984)€(citations€omitted).€€€€Ð h+¸&* Ðà  àGovernors€Club€asserts€that€the€only€named€insured€under€the€binder€was€Cornerstone.€Ð ° ÐGovernors€Club€additionally€asserts€that€the€realtors€who€worked€at€Governors€Club€were€employedÐ œì Ðby€Shirley€Zeitlin€and€Associates€and€the€maintenance€staff€was€employed€by€Cornerstone.€Ð ˆØ ÐTherefore,€Governors€Club€ð ðhad€no€need€for€workerððs€compensation€insurance€because€it€had€noÐ tÄ Ðemployees.ðð€€Governors€Club€contends€that€this€evidence€establishes€that€Cornerstone€was€the€partyÐ `° Ðto€the€insurance€contract€and€not€Governors€Club.€€Ð L œ Ðà  àHowever,€in€addition€to€listing€Cornerstone€as€the€insured,€the€binderððs€ð ðSpecialÐ $ t ÐConditions/Other€Coveragesðð€section€lists€several€entities€involved€in€Miller€developments,Ð  ` Ðincluding€Governors€Club€as€well€as€Cornerstone.€€Hester€testified€at€trial€that,€in€issuing€theÐ ü L  Ðinsurance€binder,€ð ðwe€bound€all€David€Miller€entities€on€June€15,€1999.ðð€€As€to€the€workerððsÐ è 8  Ðcompensation€policy,€the€trial€court€found€that,€in€entering€into€the€agreement,€ð ðMiller€made€noÐ Ô$  Ðdistinction€between€employees€that€worked€for€the€Governors€Club€LLC€and€related€entities€andÐ À  Ðthose€who€worked€for€Cornerstone€Management€Company,€which€managed€the€Governors€ClubÐ ¬ü  Ðproperties.ðð€€From€this€evidence,€we€must€conclude€that€it€is€ambiguous€whether€the€parties€intendedÐ ˜è  Ðto€bind€Governors€Club€under€the€insurance€binder.Ð „Ô  Ðà  àIn€a€case€involving€an€ambiguity€in€an€insurance€contract,€the€court€should€ò òòòó óóóð ðattempt€toÐ \¬ Ðconstrue€[the]€insurance€contract[]€so€as€to€provide€coverage.ðð׃×Ý ƒ#ÃÝòòÚ  Ú2Ú  ÚóóÝ  Ý×  ×€€ò òòòAlcazar€v.€Hayesó óóó,€982€S.W.2d€845,Ð H˜ Ð852€(Tenn.€1998);€òòò òsee€also€Planet€Rock,€Inc.€v.€Regis€Ins.€Co.ó óóó,€6€S.W.3d€484,€490€(Tenn.€Ct.€App.Ð 4„ Ð1999).€€The€principle€of€construing€an€insurance€contract€to€provide€coverage€should€be€appliedÐ  p Ðevenhandedly,€regardless€of€whether€the€insured€or€the€insurer€seeks€to€enforce€the€contract.€€€In€thisÐ  \ Ðcase,€if€Governors€Club€were€suing€in€order€to€obtain€insurance€coverage,€we€would€undoubtedlyÐ øH Ðconclude€that€the€insurance€policy€was€enforceable.€€The€policy€should€be€no€less€enforceable€againstÐ ä4 ÐGovernors€Club.€€Under€these€circumstances,€we€find€no€error€in€the€trial€courtððs€finding€that€anÐ Ð  Ðagreement€for€insurance€existed€between€the€parties.€€Ð ¼  Ðà  àThe€decision€of€the€trial€court€is€affirmed.€€Costs€of€this€appeal€are€taxed€to€the€appellant,€TheÐ ”ä ÐGovernors€Club,€L.L.C.,€and€its€surety,€for€which€execution€may€issue,€if€necessary.€€€€€€€Ð €Ð Ðà  àÌÓ ÓÌà  àà ` àà ¸ àà  àà h àà À àà  à___________________________________€Ð #l! Ðà  àà ` àà ¸ àà  àà h àà À àà  àHOLLY€KIRBY€LILLARD,€JUDGE