The Right to Self-Defense is not Given Up by Employment
Colorado Employer Cannot Punish Employee for Exercising Right of Self Defense
Read the full article at https://lnkd.in/gmbSG-Nq and at https://zalma.com/blog, #insurancebooks, #insurance books, #amazon.
Post number 5380
In Mary Ann Moreno v. Circle K Stores, Inc., 2026 CO 46, No. 25SA134, Supreme Court of Colorado, En Banc (June 15, 2026) Moreno, a seventy-two-year-old Circle K employee, was working when an armed robber approached the register with hunting knives, demanded cigarettes for free, and moved behind the counter toward her.
Moreno told him not to come behind the counter and extended her arms, which she characterized as an instinctive act of self-defense. The robber left with cigarettes and was later arrested for armed robbery. Circle K terminated Moreno for violating its “Don’t Chase or Confront” policy, and Moreno sued for wrongful discharge in violation of Colorado public policy.
The District court certified a question that only asked the Supreme Court to answer if an exception exists. Instead, the Supreme Court answered only the certified question in the affirmative and returned the case to the district court for further proceedings.
Law:
Colorado recognizes a public-policy exception to at-will employment when an employee is terminated for refusing illegal conduct, performing a public duty, or exercising an important job-related right or privilege. The public policy must be clearly expressed, sufficiently public, and related to the employee’s role as a worker. The Supreme Court considered whether Colorado’s statutory self-defense provision which recognizes the right to defend one’s life — satisfy that standard.
Discussion/Analysis:
The Colorado Supreme Court held that both the statute and constitutional provision clearly express a public policy favoring lawful self-defense.
The Supreme Court reasoned that section 18-1-704 defines when and how a person may use reasonable force, giving employees and employers notice of the right’s boundaries.
The court further concluded that self-defense is a public right because it protects personal safety and human life, not merely a private proprietary interest.
Finally, the court found the right sufficiently job-related because an unprovoked attack may occur at work; employees do not surrender the right to defend themselves by entering the workplace. The majority emphasized that the exception is narrow and applies only when an employee lawfully exercises self-defense in response to an unprovoked workplace attack.
Conclusion:
The court answered the certified question in the affirmative.
While the Supreme Court concluded that this is a right granted to all people that is not left at the door simply because a person enters the workplace, it emphasized that the scope of the exception is narrow. It is limited, importantly, to self-defense as an essential, inalienable right. Critically, the exception applies only when an employee lawfully exercises the right in response to an unprovoked attack at work.
Colorado law, therefore, recognizes a narrow public-policy exception to the at-will employment doctrine when an employee is terminated for lawfully exercising the right of self-defense in response to an unprovoked attack at work. The case was returned to the federal district court for further proceedings on the disputed factual issues.
The employment relationship should not be used to strip workers of the ordinary legal privileges every person possesses.
The right to self-defense has never been cabined by role or location.
The right to self-defense is job-related insofar as the need to lawfully defend oneself from an unprovoked attack can occur at work. Thus, even though the right to self-defense—constitutional and statutory — does not explicitly mention workers, it is nonetheless a right guaranteed to workers.
Under the law, it is an essential, inalienable right guaranteed to everyone, including people at work. It is not a right that is left at the door when a person enters the workplace.
ZALMA OPINION
Ms. Moreno, a brave 72-Year-Old employee of Circle K had the right to defend her life against a knife wielding thief and could not be dismissed by her employer for working to survive the assault by the defending her life. The inalienable right guaranteed to everyone, including people at work, protected Ms. Moreno from being fired by her employer.
(c) 2026 Barry Zalma & ClaimSchool, Inc.
Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos.
Subscribe to my substack at https://gbarryzalma.substack.com/subscribe
Go to X @bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/account/content?type=all; Go to Barry Zalma on YouTube- https://Cwww.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the InsuranceClaims Library – https://lnkd.in/gwEYk.
Insurance Expert May Not Testify to Speculative and Contains Unsupported Conclusions.
Posted on September 18, 2026 by Barry Zalma
See the full video at and at https://rumble.com/v7fmifw-expert-may-only-testify-to-what-experience-supports.html
In Michele A. Over, and The Estate Of Paul R. Over v. State Farm Mutual Automobile Insurance Company, and State Farm Fire And Casualty Company, Civil Action No. 23-cv-02243-PAB-STV, United States District Court, D. Colorado (September 14, 2026) Michele and Paul Over sued State Farm Fire and State Farm Auto over hail-damage and stolen-vehicle claims.
The operative dispute concerned State Farm Auto’s motion to exclude or limit opinions from plaintiffs’ insurance-industry expert, Aaron Castillo. Castillo.
Law
The proponent of expert testimony must establish by a preponderance of the evidence that an expert is qualified and that the opinions are helpful, sufficiently grounded, and reliably derived and applied. Experience-based opinions must explain how the...
150 Months in Prison for Tax Fraud
Post 4846
Posted on September 17, 2026 by Barry Zalma
See the full video at https://lnkd.in/g8rh3JBX and https://lnkd.in/gmkdy-9C, In United States Of America v. Thomas Addaquay, Nos. 25-10609, 25-10611, United States Court of Appeals, Eleventh Circuit (September 9, 2026) the Eleventh Circuit affirmed all challenged convictions, the 150-month aggregate sentence, and the challenged $4,123,474.55 restitution award.
FACTS
In United States Of America v. Thomas Addaquay, United States Of America v. Thomas Addaquay, Nos. 25-10609, 25-10611, United States Court of Appeals, Eleventh Circuit (September 9, 2026) the Eleventh Circuit affirmed all challenged convictions, the 150-month aggregate sentence, and the challenged $4,123,474.55 restitution award.
FACTS
Thomas Addaquay controlled United Consolidated Accounting and Business Services (UC), nominally a check-cashing business.
The government proved a three-stage tax-refund scheme that converted the resulting refund checks into usable funds through ...
Major Fraud Perpetrator Asserts Fifth Amendment Privilege to Avoid Prosecution
Post 5489
Posted on September 14, 2026 by Barry Zalma
Fraudster Refuses to Answer Questions About His Alleged Fraud
See the full video at https://lnkd.in/gvicAMDr and at https://lnkd.in/gvicAMDr
In Great American Insurance Co. v. Gemstone Property Management, LLC, et al., No. 23-cv-9100 (LJL), United States District Court, S.D. New York (September 8, 2026) Great American Insurance Company alleged that it was defrauded through a scheme in which Subin Associates, LLP recruited individuals to stage construction-site injuries, arranged unnecessary medical treatment and litigation funding, and pursued fraudulent personal-injury claims.
Luis Manuel Garcia Salcedo, resulted in a $6 million settlement. Non-party Jose Hernandez allegedly worked as an assistant manager at Subin, operated Hernandez Associates, and owned litigation-funding companies that shared office space with Subin and provided services to its clients.
After Great American ...
Plaintiff’s Reading of the Policy is Plaintiff’s Reasonable Allegations
Posted on October 19, 2026 by Barry Zalma
Post 4868
CLASS ACTION THAT STATES A SIMPLE CLEAR AND PLAUSIBLE CAUSE OF ACTION SURVIVES
In Sheila Marino v. Farmers New World Life Insurance Company, No. 2:25-cv-02200-JNW, United States District Court, W.D. Washington, Seattle (October 13, 2026) defendant Farmers New World Life Insurance Company’s (“FNWL”) moved to dismiss Plaintiff Sheila Marino’s putative class action involving flexible universal life insurance.
Marino filed a putative class action in King County Superior Court alleging: (1) breach of contract, (2) breach of the implied covenant of good faith and fair dealing, and (3) violation of the Washington Consumer Protection Act (CPA).
She pleaded two theories: an “overcharge” theory and an “underpayment of interest” theory asked the Court to take judicial notice of historical Federal Funds Effective Rates.
THE LAW
Pleading Standard.
To survive a Rule 12(b)(6) motion, a ...
Blockchain Fraud Detection Loses Protection
Posted on October 22, 2026 by Barry Zalma
John Earl Madden (April 10, 1936 – December 28, 2021) was an American Professional Football Coach and Sports Commentator in the National Football League Seeking Patent & Trademark Protection
BLOCKCHAIN FRAUD
Mr. Madden was more than football. He was working to establish a program called “Fraud Protection Systems, Methods, and Computer Programs for Blockchain Financial Transactions.”
In Ex parte John Madden, Appeal 2026-001497, Application 18/495,506, Technology Center 3600, United States Patent and Trademark Office, Patent Trial and Appeal Board (October 14, 2026)
The Examiner rejected claims several numbered claims under 35 U.S.C. § 101 as directed to an abstract idea without significantly more.
THE LAW
Section 101 makes patentable any new and useful process, machine, manufacture, or composition of matter.Laws of nature, natural phenomena, and abstract ideas are implicitly excluded.
THE PATENT TRIAL AND ...
Sovereign Immunity Defeats Suit Against Police Officers
Post 4866
Posted on October 21, 2026 by Barry Zalma
In Chad Lightfoot, et al. v. Progressive Direct Insurance Company, et al., Civil Action No. 26-434, United States District Court, E.D. Louisiana (October 9, 2026) Chad Lightfoot was involved in an Orleans Parish automobile accident in 2011 and filed claims with several insurers, including Progressive.
After a related civil dispute, Progressive counsel allegedly submitted a false affidavit stating that Lightfoot had fraudulently received a $50,000 payment. A New Orleans police detective relied on the affidavit to obtain an arrest warrant, and Louisiana State Police Lieutenant Alan Arcana allegedly reported that Lightfoot had received the payment. Lightfoot was arrested in 2015 and charged with theft, insurance fraud, and perjury.
Plaintiffs alleged that no record of the payment existed and that the criminal charges were dismissed on October 15, 2024.
Lightfoot and Geralyn Hawkins filed suit in October 2025 and ...