(January 22, 2020, 12:57 PM EST) -- RICHMOND, Va. — The Fourth Circuit U.S. Court of Appeals on Jan. 21 affirmed a lower federal court’s ruling in a dispute over prize indemnity insurance coverage for a "hole-in-one" golf tournament contest, finding that the lower court correctly found that the insured did not establish the elements of duty and proximate causation (Old White Charities, Inc. v. Bankers Insurance, LLC, No. 18-1914, 4th Cir.)....