Summary
holding a 39-day delay in disclaiming was reasonable since the delay was caused by efforts to obtain information and legal advice as to the applicability of an assault and battery exclusion
Summary of this case from City of New York v. Welsbach Elec. Corp.Opinion
5297, 5297A
February 8, 2005.
Orders, Supreme Court, New York County (Rosalyn Richter, J.), entered February 25, 2004 and March 4, 2004, respectively, which, inter alia, collectively granted the motion of defendants-respondents for summary judgment declaring that defendant insurer Odyssey Re is not obligated to provide coverage or payment for the judgment entered in the underlying personal injury action, unanimously affirmed, without costs.
Before: Tom, J.P., Andrias, Friedman, Sullivan and Nardelli, JJ., concur.
Inasmuch as plaintiff's claims in the underlying personal injury action all arose by reason of the assault and battery committed against him on the premises of defendants' insured ( see Mount Vernon Fire Ins. Co. v. Creative Hous. Ltd., 88 NY2d 347, 352), and the policy issued by defendants to that insured contained an exclusion for assault and/or battery claims, it is clear that plaintiff's claims do not fall within the subject insured's coverage. Contrary to plaintiff's contention, the policy's liquor liability endorsement, which does not mention the assault and battery exclusion, does not purport to contradict or alter the exclusion's terms ( see County of Columbia v. Continental Ins. Co., 83 NY2d 618, 628). Nor is there merit to plaintiff's contention that defendants' disclaimer based upon the assault and battery exclusion, issued some 39 days subsequent to the insured's notice of claim, was untimely. Defendants have adequately explained the delay, which was occasioned by their diligent efforts to obtain the information and independent legal advice necessary to determine whether a disclaimer predicated upon the assault and battery exclusion would be proper ( see Structure Tone, Inc. v. Burgess Steel Prods. Corp., 249 AD2d 144, 145; DeSantis Bros. v. Allstate Ins. Co., 244 AD2d 183, 184, lv denied 91 NY2d 808).