Court of Appeals for the First Circuit July 25, 2001, 98-31274 (William J. McAvey v. Chen-Horng Lee Chin-Li Lee v. First Financial Insurance Co.)

DENNIS, Circuit Judge:

William J. McAvey brought this diversity action against Chen-Horng Lee (Mr. Lee), his wifé, Chin-Li Lee (Mrs. Lee), and Ming Chun, Inc. d/b/a Tomfort Lodge (“Ming Chun”) (collectively, “the insureds” or “the innkeepers”), and First Financial Insurance Company (“First Financial”), the insureds’ commercial liability insurer, for damages for personal injury to McAvey caused by