Opinion
2017–06731 Index No. 703959/16
08-12-2020
UNITED SPECIALTY INSURANCE, etc., appellant, v. COLUMBIA CASUALTY COMPANY, etc., Respondent, et al, defendants.
Jeffrey Samel, New York, N.Y. (Robert G. Spevack of counsel), for appellant. CNA Coverage Litigation Group, New York, N.Y. (Marian S. Hertz of counsel), for respondent.
Jeffrey Samel, New York, N.Y. (Robert G. Spevack of counsel), for appellant.
CNA Coverage Litigation Group, New York, N.Y. (Marian S. Hertz of counsel), for respondent.
ALAN D. SCHEINKMAN, P.J., SYLVIA O. HINDS–RADIX, BETSY BARROS, PAUL WOOTEN, JJ.
DECISION & ORDER In an action for declaratory relief, the plaintiff appeals from an order of the Supreme Court, Queens County (Robert J. McDonald, J.), entered May 23, 2017. The order, insofar as appealed from, granted the motion of the defendant Columbia Casualty Company for summary judgment, in effect, declaring that it was not obligated to defend and indemnify the defendant Dry Harbor HRF, Inc., and thus, was not obligated to reimburse the plaintiff for defense and indemnification costs the plaintiff incurred in the underlying actions commenced by three residents of the defendant Dry Harbor HRF, Inc.
ORDERED that the order is reversed insofar as appealed from, on the law, with costs, and the motion of the defendant Columbia Casualty Company for summary judgment, in effect, declaring that it was not obligated to defend and indemnify the defendant Dry Harbor HRF, Inc., and thus, was not obligated to reimburse the plaintiff for defense and indemnification costs the plaintiff incurred in the underlying actions commenced by three residents of the defendant Dry Harbor HRF, Inc., is denied.
The defendant Dry Harbor HRF, Inc. (hereinafter Dry Harbor), operates a nursing home in Middle Village. From December 3, 2012, until December 3, 2013 (at 12:01 a.m.), the defendant Columbia Casualty Company (hereinafter CCC) insured Dry Harbor pursuant to a "Claims–Made" general liability policy, a type of liability insurance policy that requires that a claim be made or reported to the carrier within the policy period in order to be covered. The plaintiff provided coverage to Dry Harbor upon expiration of CCC's policy on December 3, 2013. Thereafter, when three residents made certain claims and commenced actions against Dry Harbor in 2014 (hereinafter the underlying actions), the plaintiff provided defense and indemnification to Dry Harbor. The plaintiff, believing that the claims arose during CCC's coverage period and that CCC was provided timely notice, commenced this action seeking, inter alia, a judgment declaring that CCC's policy was primary with respect to those claims and, therefore, CCC was required, inter alia, to reimburse the plaintiff for the costs it had expended in defending Dry Harbor to date with respect to the underlying actions.
CCC moved for summary judgment, in effect, declaring that it was not obligated to defend and indemnify Dry Harbor, and thus, was not liable to reimburse the plaintiff for defense and indemnification costs the plaintiff incurred in the underlying actions. CCC contended that it had not received notice of the claims in a timely and sufficiently detailed manner from its insured, Dry Harbor. and, therefore, had no obligation to either Dry Harbor or the plaintiff with respect to those claims. The Supreme Court, inter alia, granted CCC's motion. The plaintiff appeals.
We disagree with the Supreme Court's award of summary judgment in CCC's favor as CCC failed to meet its prima facie burden of establishing its entitlement to judgment as a matter of law. The affirmation of CCC's attorney was not based upon personal knowledge and, thus, was of no probative or evidentiary significance (see Currie v. Wilhouski, 93 A.D.3d 816, 817, 941 N.Y.S.2d 218 ). "The affidavit or affirmation of an attorney, even if he [or she] has no personal knowledge of the facts, may, of course, serve as the vehicle for the submission of acceptable attachments which do provide evidentiary proof in admissible form, e.g., documents, transcripts" ( Zuckerman v. City of New York, 49 N.Y.2d 557, 563, 427 N.Y.S.2d 595, 404 N.E.2d 718 [internal quotations marks omitted] ). Here, however, the submissions by CCC on the motion were not in admissible form (see DeLuca v. RLI Ins. Co., 153 A.D.3d 662, 663, 60 N.Y.S.3d 291 ). The emails and letters were offered for the truth of their contents and, therefore, constituted hearsay (see generally People v. Kass, 59 A.D.3d 77, 874 N.Y.S.2d 475 ). CCC failed to establish that any exception to the hearsay rule applied (see DeLuca v. RLI Ins. Co., 153 A.D.3d at 663, 60 N.Y.S.3d 291 ). Since CCC failed to submit admissible evidence or an affidavit by a person having knowledge of the facts, it failed to establish its prima facie entitlement to judgment as a matter of law (see CPLR 3212[b] ; Currie v. Wilhouski, 93 A.D.3d at 817–818, 941 N.Y.S.2d 218 ).
In light of CCC's failure to meet its prima facie burden, we need not consider the sufficiency of the submissions in opposition (see Winegrad v. New York Univ. Med. Ctr., 64 N.Y.2d 851, 853, 487 N.Y.S.2d 316, 476 N.E.2d 642 ; DeLuca v. RLI Ins. Co., 153 A.D.3d at 663, 60 N.Y.S.3d 291 ; Currie v. Wilhouski, 93 A.D.3d at 818, 941 N.Y.S.2d 218 ).
The plaintiff's remaining contentions need not be reached in light of our determination.
SCHEINKMAN, P.J., HINDS–RADIX, BARROS and WOOTEN, JJ., concur.