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Mattress Discr. of N.Y., Inc. v. U.S. F. Ins. Co.

Appellate Division of the Supreme Court of New York, Second Department
Jun 4, 1998
251 A.D.2d 384 (N.Y. App. Div. 1998)

Opinion

June 4, 1998

Appeal from the Supreme Court, Nassau County (McCaffrey, J.).


Ordered that the order is affirmed insofar as appealed from, with costs, and the matter is remitted to the Supreme Court, Nassau County, for the entry of a judgment declaring that the defendant has no duty to defend and indemnify the plaintiff in the underlying action entitled Rosen v. Mattress Discounters, pending in the Supreme Court, Nassau County, under Index No. 021136/93.

The underlying action entitled Rosen v. Mattress Discounters (hereinafter the underlying action) arises from an incident involving the plaintiff's employees and an employee of Bedding Discount Center, Inc., d/b/a Sleepy's (hereinafter Sleepy's). The complaint in the underlying action alleges, inter alia, assault, battery, negligent hiring, and negligent supervision.

The insurance policy issued by the defendant excludes coverage for "bodily injury * * * expected or intended from the standpoint of the insured". There is no dispute that the injuries incurred by the Sleepy's employee resulted from an assault by the plaintiff's employees. Accordingly, the intentional act of assault falls within the exclusionary language of the policy (see, Board of Educ. v. Continental Ins. Co., 198 A.D.2d 816; Tomain v. Allstate Ins. Co., 238 A.D.2d 774).

Furthermore, the inclusion in the underlying complaint of causes of action to recover damages for negligent hiring and negligent supervision does not alter the fact that "the operative act giving rise to any recovery is the assault" (Mount Vernon Fire Ins. Co. v. Creative Hous., 88 N.Y.2d 347, 352; see also, Public Serv. Mut. Ins. Co. v. Camp Raliegh, 233 A.D.2d 273; Board of Educ. v. Continental Ins. Co., supra). Thus, the Supreme Court properly granted that branch of the defendant's motion which was for summary judgment declaring that the defendant has no duty to defend and indemnify the plaintiff in the underlying action.

We note that since this is a declaratory judgment action, the Supreme Court should have directed the entry of a declaration in favor of the defendant (see, Lanza v. Wagner, 11 N.Y.2d 317, 334, cert denied 371 U.S. 901).

Pizzuto, J. P., Santucci, Joy and Friedmann, JJ., concur.


Summaries of

Mattress Discr. of N.Y., Inc. v. U.S. F. Ins. Co.

Appellate Division of the Supreme Court of New York, Second Department
Jun 4, 1998
251 A.D.2d 384 (N.Y. App. Div. 1998)
Case details for

Mattress Discr. of N.Y., Inc. v. U.S. F. Ins. Co.

Case Details

Full title:MATTRESS DISCOUNTERS OF NEW YORK, INC., Appellant, v. UNITED STATES FIRE…

Court:Appellate Division of the Supreme Court of New York, Second Department

Date published: Jun 4, 1998

Citations

251 A.D.2d 384 (N.Y. App. Div. 1998)
674 N.Y.S.2d 106

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