Northfield Insurance Company v. Queen's Palace, Inc. et al
MEMORANDUM & ORDER: For the reasons set forth in the attached Memorandum & Order, 36 Motion for Summary Judgment is granted. The Clerk of the Court is respectfully requested to enter judgment accordingly and close the case. Ordered by Magistrate Judge Steven M. Gold on 5/10/2017. (Kaufman, Zachary)
UNITED STATES DISTRICT COURT
EASTERN DISTRICT OF NEW YORK
NORTHFIELD INSURANCE COMPANY,
QUEEN’S PALACE, INC., ROSEWOOD REALTY,
LLC, NYC KAZI OFFICE INC., and VICENTA
MORAN, as Administratrix of the Estate of Eduardo
GOLD, STEVEN M., U.S. Magistrate Judge:
Northfield Insurance Co. (“Northfield”) brings this action seeking a judgment declaring
that it has no duty to defend or indemnify defendants Queen’s Palace, Inc. (“Queen’s Palace”),
Rosewood Realty, LLC (“Rosewood”), and NYC Kazi Office Inc. (“NYC Kazi”) (collectively,
“defendants”), in an underlying action filed in Supreme Court, Kings County, by defendant
Vicenta Moran as Administratrix of the Estate of Eduardo Rojas (the “Estate”). See Compl. ¶ 1,
Docket Entry 1. In the underlying action, the Estate seeks damages for the wrongful death of
Eduardo Rojas (the “decedent”), who was allegedly “assaulted, dragged, pistol whipped[,] and
killed” on July 26, 2014, while outside and waiting to enter a nightclub located at 37-11 57th
Street, Woodside, New York (the “premises”). Id.
The parties have consented to the exercise of jurisdiction by a United States Magistrate
Judge pursuant to 28 U.S.C. § 636(c). See Docket Entry 25. Plaintiff now moves for summary
judgment. Docket Entry 36. I heard oral argument on the motion on November 10, 2016.
Docket Entry 46. Counsel for Queen’s Palace and NYC Kazi elected not to appear for the
argument. Docket Entry 45. I reserved decision to afford counsel for these parties an
opportunity to be heard after reviewing the oral argument transcript. See Order dated November
9, 2016. Counsel for these parties then submitted a post-argument letter brief. Docket Entry 48.
I have considered the parties’ written submission and oral arguments. For the reasons
that follow, plaintiff’s motion for summary judgment is granted.
The following facts present the evidence in the light most favorable to defendants.1 See
Matsushita Elec. Indus. Co., Ltd. v. Zenith Radio Corp., 475 U.S. 574, 587-88 (1986).
Northfield issued a general commercial liability insurance policy to Queen’s Palace (the
“policy”) covering the period from March 11, 2014 to March 11, 2015. Pl. R. 56.1 ¶ 1. The
policy provides liability coverage for suits claiming damages because of “bodily injury,” defined
to include death, caused by an “occurrence,” which the policy defines as an accident. Pl. R. 56.1
¶ 2. The policy limits liability to $1 million for each occurrence and $2 million in the aggregate.
First Crecelius Aff. ¶ 2.
By endorsement, the policy contains an Assault and Battery Exclusion, which provides,
in pertinent part:
The following exclusion is added to Paragraph 2., Exclusions, of Section I
– Coverages – Coverage A Bodily Injury and Property Damage Liability:
Assault or Battery
“Bodily injury” or “property damage” arising out of any act or “assault” or
“battery” committed by any person, including any act or omission in
The facts set forth in the text are drawn from the following: Plaintiff’s Statement of Material Facts Pursuant to
Local Civil Rule 56.1 (“Pl. R. 56.1”), Docket Entry 36-1; Defendant Rosewood’s Counterstatement of Material
Facts (“Rosewood R. 56.1”), Docket Entry 39; Defendant Moran’s Counterstatement of Material Facts (“Moran R.
56.1”), Docket Entry 42; and the Declaration of Satish K. Bhatia (“Bhatia Decl.”), dated September 30, 2016,
Docket Entry 40. In addition, supporting evidentiary materials were submitted as exhibits to the Declaration of
Joanne M. Engeldrum (“Engeldrum Decl.”), dated September 2, 2016, Docket Entry 36-2; the Affidavit of Gail E.
Crecelius (“First Crecelius Aff.”), dated August 5, 2016, Docket Entry 36-14; and the Affidavit of Gail E. Crecelius
(“Second Crecelius Aff.”), dated October 11, 2016, Docket Entry 43-1.
connection with the prevention or suppression of such “assault” or
The following is added to the DEFINITIONS Section:
“Assault” means any attempt or threat to inflict injury to another,
including any conduct that would reasonably place another in
apprehension of such injury.
“Battery” means any intentional, reckless or offensive physical contact
with, or any use of force against, a person without his or her consent that
inflicts some injury, regardless of whether the resulting injury infl[icted] is
intended or expected.
Affidavit of Kenneth Kupec (“Kupec Aff.”) at NIC 000556, Docket Entry 36-13; see also First
Crecelius Aff. ¶ 4.
On July 26, 2014, the decedent was beaten to death while standing in line waiting to enter
the premises. Moran R. 56.1 ¶ 2; Pl. R. 56.1 ¶ 4. According to the complaint filed by the Estate
in the underlying action, Rosewood is the owner of the premises, while Queen’s Palace and/or
NYC Kazi Office Inc. are the lessees and operators of the nightclub located there. Pl. R. 56.1
¶ 9; Complaint in Moran v. Rosewood Realty, L.L.C. et al. (“Underlying Compl.”) ¶¶ 7-9,
Engeldrum Decl., Ex. 1, Docket Entry 36-3. The Estate’s complaint further alleges that, while
the decedent was standing in line, a group of individuals was forcibly removed from the
nightclub by security officers. Underlying Compl. ¶ 17. These individuals were armed and,
upon being removed from the club, they began shooting at individuals waiting outside to enter.
Underlying Compl. ¶ 18. The Estate claims that decedent “was assaulted, dragged, pistol
whipped, and killed by the individuals being removed from the Premises.” Underlying Compl.
¶ 20. The Estate seeks damages from Rosewood, Queen’s Palace, and NYC Kazi for negligently
failing to provide proper security at the premises. Underlying Compl. ¶ 19.
Plaintiff first received notice of the July 26, 2014 assault by letter dated April 2, 2015,
from AmTrust North America (“AmTrust”), the administrator for Tower Insurance Company of
New York, Rosewood’s liability carrier. First Crecelius Aff. ¶ 5. Northfield received the letter
from AmTrust on April 8, 2015. Id. AmTrust’s letter advised Northfield that the decedent was
allegedly assaulted and killed by patrons of the nightclub and asserted that, pursuant to
Rosewood’s lease agreement with Queen’s Palace, Northfield’s insured, Northfield was required
to defend and indemnify Rosewood. Letter from AmTrust to Northfield Insurance Co., dated
April 2, 2015, Docket Entry 36-15.
On April 20, 2015, Gail Crecelius (“Crecelius”), a claim professional for Northfield,
spoke with Syed Mustaquim Ballah (“Billah”) of Queen’s Palace and informed Billah that
Northfield was disclaiming coverage based upon the policy’s Assault and Battery Exclusion.
First Crecelius Aff. ¶ 6. Northfield reiterated this position in a letter dated April 27, 2015,
addressed to Rosewood and AmTrust and copied to the other defendants. See Letter from
Northfield to Rosewood and AmTrust, dated April 27, 2015, First Crecelius Aff., Ex. B, Docket
Entry 36-16. In particular, Northfield disclaimed coverage based on the Assault and Battery
Exclusion “because the injury to [decedent] arose out of the assault and/or battery of [decedent]
committed by any person,” and because Northfield did not receive timely notice of the
occurrence from the insured as the policy requires. Id. at 5.
Defendants contend that Northfield’s disclaimer of coverage was untimely and thus
ineffective under N.Y. Ins. Law § 3420(d) because, “upon information and belief,” the copy of
its April 27 letter addressed to Queen’s Palace was returned to sender as undeliverable and
Queen’s Palace never received it. See Rosewood’s Memorandum of Law in Opposition to
Summary Judgment (“Rosewood Mem.”) at 7, 9-11, Docket Entry 39. According to Crecelius,
however, the April 27 letter disclaiming coverage was sent to Queen’s Palace by both certified
and first class mail directed to the address listed on the policy and the address provided by
Queen’s Palace’s broker, DurAmerica Brokerage, Inc. (“DurAmerica”). Second Crecelius Aff.
¶ 2. The letter was returned, but as unclaimed—not as undeliverable. See Envelope Marked
“Return to Sender, Unclaimed, Unable to Forward,” Second Crecelius Aff., Ex. A, Docket Entry
43-2. Northfield also sent letters disclaiming coverage for the incident via certified and first
class mail to DurAmerica, Rosewood, Rosewood’s counsel, AmTrust, NYC Kazi, and Billah’s
residence. First Creclius Aff ¶¶ 7-9. While certain letters sent by certified mail were returned to
Northfield as “unclaimed,” the first class mailings were not returned. See Second Crecelius Aff.
¶¶ 3-4; see also Rosewood Mem., Ex. E, Docket Entry 39-5.
The Estate filed the underlying action for wrongful death on or about August 22, 2015, in
Supreme Court, Kings County against Queen’s Palace, Rosewood, and NYC Kazi, claiming that
defendants negligently failed to provide proper security at the premises. Underlying Compl.
¶¶ 17-20. On January 7, 2016, counsel for the Estate notified Northfield that the underlying
action had been filed. First Crecelius Aff. ¶ 10. By letter dated January 27, 2016, Northfield
again disclaimed coverage to Queen’s Palace, Rosewood, and NYC Kazi on the basis of the
Assault and Battery Exclusion. First Crecelius Aff. ¶¶ 11-13. On January 29, 2016, Northfield
commenced this action seeking a declaration that it has no duty to defend or indemnify any of
the parties. Compl. ¶ 30.
Plaintiff moved for summary judgment on September 2, 2016, asserting that coverage is
precluded because decedent’s wrongful death was the result of an assault and battery. Plaintiff’s
Memorandum of Law in Support of Summary Judgment at 6-10, Docket Entry 36-22. In their
respective submissions, defendants argue, among other things, that (i) irrespective of the
exclusion for assault and battery and whether plaintiff will ultimately be required to indemnify
defendants, plaintiff nevertheless has a duty to defend the insureds in the underlying action; and
(ii) plaintiff is precluded from invoking the Assault and Battery Exclusion to disclaim coverage
because its disclaimer was untimely and thus ineffective under N.Y. Ins. Law § 3420(d).
Rosewood Mem. at 7, 9-11; Moran’s Memorandum of Law in Opposition to Summary Judgment
at 3-6, Docket Entry 42.
Summary Judgment Standard
Summary judgment is properly granted when “the movant shows that there is no genuine
dispute as to any material fact and the movant is entitled to judgment as a matter of law.” Fed.
R. Civ. P. 56(a). “The Court is not to weigh the evidence but is instead required to view the
evidence in the light most favorable to the party opposing summary judgment, to draw all
reasonable inferences in favor of that party, and to eschew credibility assessments.” Amnesty
Am. v. Town of W. Hartford, 361 F.3d 113, 122 (2d Cir. 2004) (internal quotation marks and
The initial burden of establishing that there are no genuine issues of material fact falls on
the moving party; if the movant meets that burden, the non-moving party must produce evidence
of specific facts that raise a genuine issue for trial to avoid summary judgment. Anderson v.
Liberty Lobby, Inc., 477 U.S. 242, 256 (1986); Samuels v. Mockry, 77 F.3d 34, 36 (2d Cir. 1996).
Mere conclusory allegations are insufficient; “[t]here must be more than a ‘scintilla of
evidence’” to defeat a summary judgment motion. Del. & Hudson Ry. Co. v. Consol. Rail Corp.,
902 F.2d 174, 178 (2d Cir. 1990) (quoting Anderson, 477 U.S. at 252).
The Assault and Battery Exclusion
As a general matter, New York law imposes a duty upon an insurer to defend its insured
where the allegations of the complaint in the underlying action, “liberally construed, suggest a
reasonable possibility of coverage.”2 Burgund v. ESP Café, Inc., 84 A.D.3d 849, 850 (2d Dep’t
2011) (citing Fitzpatrick v. Am. Honda Motor Co., 78 N.Y.2d 61, 65 (1991)). Where, however,
the factual “allegations of the complaint put it solely within the policy exclusion[,]” the insurer
has no duty to defend or indemnify. Allstate Ins. Co. v. Mugavero, 79 N.Y.2d 153, 162 (1992)
(quoting Int’l Paper Co. v. Cont’l Cas. Co., 35 N.Y.2d 322, 325 (1974)).
When an insurer invokes an exclusion as its basis for denying coverage and declining to
provide a defense, “the burden rests upon the insurance company to demonstrate that the
allegations of the complaint can be interpreted only to exclude coverage.” Town of Massena v.
Healthcare Underwriters Mut. Ins. Co., 98 N.Y.2d 435, 444 (2002) (citations omitted). Here, as
explained below, plaintiff has met that burden.
It is well-settled that, where, as here, a general commercial liability insurance policy has
an assault and battery exclusion and where no cause of action would exist “but for” an assault,
the underlying tort claim is “based on” the assault, the exclusion precludes coverage, and the
insurer has no duty to defend or indemnify the insured. Moreover, such an exclusion precludes
coverage regardless of the theory of liability asserted against the insured. See, e.g., White v.
Nat’l Specialty Ins. Co., 2014 WL 3871351, at *1 (E.D.N.Y. Aug. 6, 2014) (holding that assault
and battery exclusion precluded coverage for negligence claim); Mount Vernon Fire Ins. Co. v.
Creative Housing Ltd., 88 N.Y.2d 347, 352 (1996) (holding assault and battery exclusion
precluded coverage where plaintiff in underlying action was criminally assaulted on insured’s
premises, even though theory of liability against insured “sound[ed] in negligence”); U.S.
“A federal court exercising diversity jurisdiction must apply the choice-of-law rules of the state in which that court
sits.” Liberty Synergistics Inc. v. Microflo Ltd., 718 F.3d 138, 151 (2d Cir. 2013) (citing Klaxon Co. v. Stentor
Electric Mfg. Co., 313 U.S. 487, 494-97 (1941)). The New York choice of law analysis in a contract dispute focuses
on the “center of gravity” of the contract, which for an insurance contract is typically the state where the insured risk
is located. Liberty Mutual Ins. Co. v. Fairbanks Co., 170 F. Supp. 3d 634, 642 (S.D.N.Y. 2016). Here, Queen’s
Palace, the insured, is a New York corporation with its principal place of business located in Queens, New York.
See Compl. ¶ 6. Accordingly, New York law controls.
Underwriters Ins. Co. v. Val-Blue Corp., 85 N.Y.2d 821, 823 (1995) (same); Burgund, 84
A.D.3d at 851 (holding that insurer had no duty to defend where there was an assault and battery
exclusion and none of the causes of action in the underlying lawsuit “would exist but for the
alleged assault and battery”); WSTC Corp. v. Nat’l Specialty Ins. Co., 67 A.D.3d 781, 782 (2d
Dep’t 2009) (holding that a negligence claim “arising out of an assault” did not give rise to a
duty to defend where the policy contained an assault and battery exclusion); Sphere Drake Ins.
Co. v. Block 7206 Corp., 265 A.D.2d 78, 80 (2d Dep’t 2000) (“[T]he Court of Appeals has, in
general, given assault and battery exclusions a broad construction.”).
The principle that an assault and battery exclusion precludes coverage where no cause of
action would exist but for an assault applies not only regardless of whether a claim sounding in
negligence is alleged against the insured, but also regardless of whether the assault was
committed by the insured, an employee of the insured, or a third party. Mount Vernon Fire Ins.
Co., 88 N.Y.2d at 353. Thus, for example, in Val-Blue, the court held there was no coverage—
and no accompanying duty to defend—in a case involving a security guard employed at a
nightclub who shot an off-duty police officer. The off-duty officer had apprehended a suspect
outside of the nightclub and then entered, gun drawn, seeking to use the club’s telephone. 85
N.Y.2d at 822. In his underlying suit for damages against the nightclub, the injured off-duty
officer alleged that the security guard “negligently, carelessly, and recklessly” shot him. Id. The
nightclub’s liability insurance carrier sought a judgment declaring that it was not required to
defend or indemnify the club because its policy contained an assault and battery exclusion. The
exclusion, like the one at issue here, provided that “no coverage shall apply under this policy for
any claim, demand or suit based on Assault and Battery and Assault and Battery shall not be
deemed an accident, whether or not committed by or at the direction of the insured.”3 Id. The
New York Court of Appeals found this language “unambiguous” and noted that, although the
underlying tort suit alleged that the nightclub was negligent, “[t]he injury being sued upon . . . is
an assault and battery. . . . without which [the plaintiff in the underlying action] would have no
cause of action.” Id. at 823. Accordingly, the court held, the insurer had no duty to defend or
indemnify its insured.
A similar result was reached in Mount Vernon where, as here, the underlying assault was
committed by a stranger to the insured. In Mount Vernon, a tenant who was criminally assaulted
in her apartment building brought suit against the building owner alleging “negligent
supervision, management[,] and control of the premises.” 88 N.Y.2d at 349. The building
owner’s insurance carrier sought a judgment declaring that it had no duty to defend or indemnify
the owner because its policy, like the one in Val-Blue, excluded coverage for claims based on
assault and battery. Id. at 350. The court ruled in favor of the insurer, reasoning that “when a
third party perpetrates an assault, the basis of the victim’s claim for negligent failure to maintain
safe premises against the insured is assault,” and that “[m]erely because the insured might be
found liable under some theory of negligence does not overcome the policy’s exclusion for
injury resulting from assault.” Id. at 351-52 (citation omitted).
The Assault and Battery Exclusion at issue here unambiguously excludes from coverage
“‘[b]odily injury’ or ‘property damage’ arising out of any act or ‘assault’ or ‘battery’ committed
by any person, including any act or omission in connection with the prevention or suppression of
There is a slight difference between the language of the assault and battery exclusion in the policy at issue in ValBlue and the one in the Northfield policy at issue here. The policy in Val-Blue excluded coverage for claims “based
on” assault and battery, whereas the Northfield policy excludes coverage for bodily injury “arising out of” an assault
and battery. The difference in semantics, however, is immaterial; indeed, the New York Court of Appeals held in
Mount Vernon that the phrases “‘based on’ and ‘arising out of,’ when used in insurance policy exclusion clauses, are
unambiguous and legally indistinguishable.” 88 N.Y.2d at 351.
such ‘assault’ or ‘battery.’” First Crecelius Aff. ¶ 4. Regardless of whether the Estate asserts
claims in the underlying action sounding in negligence, it is clear that those claims would not
exist “but for” the assault perpetrated against the decedent. Accordingly, the Assault and Battery
Exclusion precludes coverage and plaintiff thus has no obligation under the policy to defend or
indemnify defendants in the underlying action.
Disclaimer of Coverage Under N.Y. Ins. Law § 3420(d)
As noted above, defendants contend that plaintiff Northfield is barred from disclaiming
coverage because its disclaimer was untimely and thus ineffective under N.Y. Ins. Law
§ 3420(d). Defendants, however, have failed to produce any evidence with respect to this issue
that raises a genuine issue of fact sufficient to defeat summary judgment.
In their submissions, and again at oral argument, defendants argued “upon information
and belief” that, because the notice of disclaimer sent by Northfield to Queen’s Palace was never
received, it was “untimely” and thus ineffective under N.Y. Ins. Law § 3420(d). See Rosewood
Mem. at 7, 9-11; Transcript of Oral Argument at 12:20-15:8, Docket Entry 47. Section
3420(d)(2) provides as follows:
If under a liability policy issued or delivered in this state, an insurer shall disclaim
liability or deny coverage for death or bodily injury arising out of a motor vehicle
accident or any other type of accident occurring within this state, it shall give
written notice as soon as is reasonably possible of such disclaimer of liability or
denial of coverage to the insured and the injured person or any other claimant.
An insurer who fails to provide notice within the time frame required by the statute is precluded
from disclaiming coverage. Hartford Ins. Co. v. County of Nassau, 46 N.Y.2d 1028, 1029
(1979) (citation omitted).
In support of its argument, Rosewood has submitted photocopies of envelopes purporting
to indicate that the letters sent by Northfield on April 27, 2015, disclaiming coverage were
“unclaimed,” bearing stickers that read “Return to Sender—Attempted—Not Known—Unable to
Forward,” or “Return to Sender—Unclaimed—Unable to Forward.” Rosewood Mem., Ex. E.
However, Rosewood has not submitted an affidavit of a person with knowledge authenticating or
describing the significance of the photocopied envelopes, or testimony of anyone with personal
knowledge that Queen’s Palace or any of the other defendants in fact never received the
disclaimer letters sent by plaintiff. The envelopes themselves, absent such supporting testimony,
are not admissible evidence and therefore do not raise a genuine issue of material fact sufficient
to preclude summary judgment. See Fed. R. Civ. P. 56(c)(1); Kirkland v. Cablevision Sys., 760
F.3d 223, 225 (2d Cir. 2014) (observing that admissible evidence is required to defeat summary
judgment); Amorgianos v. Nat’l R.R. Passenger Corp., 303 F.3d 256, 267 (2d Cir. 2002) (“[I]f
the admissible evidence is insufficient to permit a rational juror to find in favor of [the nonmoving party], the court remains free to . . . grant summary judgment for [the moving party].”)
Moreover, Queen’s Palace—Northfield’s insured—admitted in its Answer that Northfield
twice disclaimed coverage, in letters dated April 27, 2015, and January 27, 2016. See Compl.
¶ 17; Queen’s Palace Answer ¶ 17, Docket Entry 22. Northfield has also submitted a sworn
affidavit from Ms. Crecelius, its claim professional, stating that, on April 27, 2015, she mailed
letters disclaiming coverage via certified and first class mail to Queen’s Palace addressed to
“Queen’s Palace, Inc./ Attn: Syed Mustaquim Billah and Kaziz Shariatullah/ 37-11 57th Street/
Woodside, NY 11377.” First Crecelius Aff. ¶ 8, and Ex. C, Docket Entry 36-17. That is
precisely the same address listed for Queen’s Palace on the Certificate of Liability Insurance and
in the policy itself. See Rosewood Mem., Ex. C, Docket Entry 39-3; Kupec Aff. at 3, 14.
According to Crecelius, letters disclaiming coverage were also sent via certified and first class
mail to DurAmerica, Rosewood, Rosewood’s counsel, AmTrust, NYC Kazi, and Billah’s
residence. First Crecelius Aff. ¶¶ 7-9.
While certain letters sent by certified mail to defendants were apparently returned to
Northfield as “unclaimed,” according to Crecelius, the first class mailings were not. Second
Crecelius Aff. ¶¶ 3-4, 6-7. Defendants have not submitted any evidence that would be
admissible at trial to refute Crecelius’ affidavit or otherwise suggest that defendants did not
receive the letters sent via first class mail. Defendants, therefore, have failed to present evidence
sufficient to raise a material question of fact and defeat summary judgment. Anderson, 477 U.S.
Furthermore, Northfield’s disclaimer of coverage was timely. The requirement that a
disclaimer be given “as soon as is reasonably possible,” N.Y. Ins. Law § 3420(d)(2), is
“measured from the time that the insurer has sufficient information to disclaim coverage in good
faith.” Webster ex. rel. Webster v. Mount Vernon Fire Ins. Co., 368 F.3d 209, 216 (2d Cir.
2004). Here, Northfield first learned of the July 26, 2014 assault on April 8, 2015, more than
eight months after the fact, when it received a letter about the incident from defendant
Rosewood’s liability carrier. First Crecelius Aff. ¶ 5. After conducting an investigation into the
claim, Northfield sent letters disclaiming coverage on April 27, 2015, less than three weeks later.
Id. ¶¶ 7-9.
Although the question of whether a disclaimer has been issued with reasonable
promptness is in most cases a question of fact, see Murphy v. Hanover Ins. Co., 239 A.D.2d 323,
324 (2d Dep’t 1997) (citation omitted), the issue may be decided as a matter of law in
“exceptional” cases. See Continental Cas. Co. v. Stradford, 11 N.Y.3d 443, 449 (2008). Here,
in light of the facts and circumstances of the case, including the eight-month delay between the
incident and Northfield’s learning of it, the 19-day gap is reasonable as a matter of law. See
Quincy Mut. Fire Ins. Co. v. Enoe, 107 A.D.3d 775, 776 (2d Dep’t 2013) (finding 21-day delay
in disclaiming coverage reasonable as a matter of law without further explanation); Magistro v.
Buttered Bagel, Inc., 79 A.D.3d 822, 825 (2d Dep’t 2010) (finding a denial of coverage three
weeks after receiving investigator’s report reasonable as a matter of law); Steinberg v. Hermitage
Ins. Co., 26 A.D.3d 426, 428 (2d Dep’t 2006) (finding a 28-day gap reasonable); Blue Ridge Ins.
Co. v. Jiminez, 7 A.D.3d 652, 653 (2d Dep’t 2004) (finding reasonable a 27-day delay in
disclaiming coverage). Accordingly, Northfield’s notice of disclaimer was timely under N.Y.
Ins. Law § 3420(d), and it may therefore rely on that notice, as it has, to disclaim coverage.
For the reasons stated above, plaintiff’s motion for summary judgment is granted. The
Clerk of the Court is respectfully requested to enter judgment accordingly and close the case.
STEVEN M. GOLD
United States Magistrate Judge
Brooklyn, New York
May 10, 2017
U:\#ZAK 2016-2017\Northfield Ins. Co. v. Queen's Palace Inc. et al. (16cv471) (SMG)\Summary Judgment M&O - FINAL.docx
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