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June 25, 2026
Self-Defense is a Right Available to Employees

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.

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July 22, 2026
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Post 5407

Fraud & the Fear of Bad Faith Suits
Posted on July 22, 2026 by Barry Zalma

See the full video at https://lnkd.in/gWQQEySW and at https://lnkd.in/gyhdK6wv

This is a Fictionalized True Crime Story of Insurance Fraud explaining why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The story is one of a collection designed to help to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the Perpetrators than any Other Crime.

This is a Fictionalized True Crime Story of Insurance Fraud explaining why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The story is one of a collection designed to help to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the Perpetrators than any Other Crime.

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Post 5397

Posted on July 20, 2026 by Barry Zalma

See the video and at https://lnkd.in/gNUs2XzT and at https://lnkd.in/g2MawyzX

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As part of the investigation, the FBI obtained an August 19, 2022 warrant to search Driscoll’s Sterling Pharmacy Yahoo email account for emails from January 1, 2018 through December 31, 2020. Driscoll moved to suppress the resulting evidence, arguing that the warrant lacked probable cause, was overbroad, and rested on material misstatements and omissions.

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July 17, 2026
The Great Jewel Theft

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Post 5396

See the video and at https://rumble.com/v7ctgmq-the-great-jewel-theft.html at https://youtu.be/aRbQ2sJfGwA

This is a Fictionalized True Crime Story of Insurance Fraud explaining why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The story is one of a collection designed to help to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ¬¬¬Perpetrators than any Other Crime.

The Insured purchased, for the first time in his life, a policy of Personal Articles Floater Insurance (PAF) scheduling $125,000 worth of ladies jewelry. He advised the insurer that the jewelry was always kept in a class E safe at his residence. He also told the insurer that he was employed full time as the owner of a gasoline service station and that he had never been canceled or suffered a previous loss.

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Post 5424

Breach of Condition is Ground to Deny Claim and Void Policy

In Arutyun Darakchyan v. State Fann General Insurance Company et al., No. 2:25-cv-03880-CAS-AJRx, United States District Court, C.D. California (August 11, 2026) Plaintiff Arutyun Darakchyan sued State Farm General Insurance Company after State Farm denied his homeowners burglary claim for losses allegedly sustained at his Tarzana residence.

Plaintiff reported that burglars entered through a kitchen window while he and his family were away, claimed stolen property totaling more than $83,000, and submitted proof-of-loss materials, inventory lists, photos, alarm records, phone records, and later appeared for an examination under oath.

State Farm assigned the claim to its special investigative unit, questioned the timing and duration of the reported burglary, requested additional documents and records, ...

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August 13, 2026
The Exhaustion Of Underlying Insurance Is Not Necessary For An Actual Controversy To Exist Regarding Coverage Under An Excess Insurance Policy

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Post 5423

Posted on August 13, 2026 by Barry Zalma

In Fox Paine & Company, LLC, et al. v. Twin City Fire Insurance Company et al., S287404, Supreme Court of California (July 27, 2026) Fox Paine & Company, LLC, Saul Fox, and related entities sued excess insurers after a long-running dispute between the Fox and Paine factions generated substantial litigation costs.

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1. they suffered a loss;
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August 12, 2026

Guilty of Misprison of a Felony Admitted by Owner of Insurers

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Post 5422

Coram Nobis is an Extraordinary Remedy

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He was sentenced to probation and a fine, did not directly appeal, and completed probation in 2003. After an earlier unsuccessful postconviction challenge, Disiere filed a second petition for writ of error coram nobis in 2024, claiming his plea was coerced by prosecutors’ threats relating to an employee allegation, that those threats were concealed from the court, that his counsel was ineffective, and that the factual basis did...

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