Borden, a Honduran man with three fishing boats insured by a company in Moscow, sued the Russian company in Florida. Borden's boats are based in Honduras and one of them sank in international waters. Borden, who owns a home in Tampa with his daughter, bought the insurance via an insurance agent in Tampa, an insurance broker in Jacksonville and three overseas insurance brokers. He argued Florida law gives the state's courts jurisdiction over a foreign insurer doing business in Florida regardless of where the policy-holder lives. East-European argued Florida courts do not have jurisdiction. The trial court disagreed, but the 2nd District Court of Appeal reversed and ruled that the state law that Borden relied on applies only to insurance provided to Floridians. The 2nd District Court of Appeal certified conflict with an earlier ruling by the 3rd District Court.