District Court of Appeal of Florida March 16, 2005, No. 3D03-2981 (National Union Fire Insurance Co. v. Texpak Group N.V.)

GERSTEN, Judge

(concurring).

It was the best of contracts, it was the worst of contracts: In viewing this tale of *303two parties, once we apply Swire Pac. Holdings, Inc. v. Zurich Ins. Co., 845 So.2d 161 (Fla.2003), the result is harsh. The result is harsh because appellee paid a substantial annual premium ($199,705.