Berkley Regional Insurance Company, which insured Zappa’s employer, Schnoeckers, Inc. (doing business as BI Worldwide), covered the loss and then did what insurers do – it went after the responsible party. Through subrogation, Berkley stepped into its insured’s shoes and sued Amazon, Yishda, and the unknown manufacturer in Minnesota state court. After Amazon moved the case to federal court, Berkley dropped the other defendants and zeroed in on Amazon alone.
