The case traces back to 2019, when Victory sold its book of workers’ compensation business to Clear Spring Property and Casualty Company. According to court documents, Victory claimed it called each affected business to inform them of the sale. However, the only written communication came on Dec. 31, 2019, when Victory emailed policyholders to say their coverage had been “upgraded” to a Clear Spring policy, effective the very next day. On Jan. 1, 2020, all the policies in question were rewritten under Clear Spring.