Anyone faced with a claim or a loss will look for someone else
to pay the claim or bear the loss. In an interesting decision from
the 7th Circuit Court of Appeals, Judge Easterbrook declined to do
so in three cases. The losses were caused by fraud and, ironically,
both the perpetrator of the fraud and the victim failed in their
efforts to shift their loss. (Daniel J. Ratajczak, Jr., et al.,
v. Beazley Solutions Limited and Land O'Lakes, Inc.
and First Mercury Insurance Company, et. al. v. Daniel J.
Ratajczak, Jr., et. al., 7th Circuit Court of Appeals, No.
16-3418, August 31, 2017)
Daniel J., Scott A., and Angela Ratajczak
("Ratajczaks") ran an apparently successful business
called Packerland Whey Products, Inc. Packerland purportedly
manufactured protein supplement from whey (the watery part of milk
remaining after the removal of curds). But the Ratajczaks were not
honest. They intentionally used deceitful methods to increase their
profits by adding urea to
