Nationwide Prop. & Cas. Ins. Co. v Albrecht
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Nationwide Prop. & Cas. Ins. Co. v Albrecht 2013 NY Slip Op 31962(U) August 21, 2013 Supreme Court, Seneca County Docket Number: 46214 Judge: Dennis F. Bender Republished from New York State Unified Court System's E-Courts Service. Search E-Courts (http://www.nycourts.gov/ecourts) for any additional information on this case. This opinion is uncorrected and not selected for official publication. [* 1] STATE OF NEW YORK SUPREME COURT COUNTY.OF SENECA NATIONWIDE PROPERTY & CASUALTY INSURANCE CO., Plaintiff -against- DECISION Index No. 46214 BILL1 JO ALBRECHT, RICHARD ALBRECHT, JACOB ALBRECHT and KELLY KISNER, individually and as parent and natural guardian of ALLIE DAVID, an infant, Defendants APPEARANCES: EPSTEIN, GIALLEONARDO & RAWILL By: J e h y T, Culkin, Esq. On behalf of Nationwide Property & Casualty InsuranceCo. HOLMBERG, GALBEWITH, VAN HOUTON & MILLER By: Dirk A. Galbraith, Esq. On behalf of Billi Jo Albrecht and Richard A l k h t , Jacob Albrecht CELLIN0 & BARNES by: Scott D. Carlton,Esq. On behalf of Kelly Kisner, individually & as parent and natural guardian of Allie David, a infant BENDER,Acting J. The Plaintiff, Nationwide Property & Casualty Insurance,moves the C u t for summary or judgment in favor of the Plaintiff declaring that the Plaintiff has no obligation under its insurance policy issued to Dekndants Albrecht $0 defend or.indemnify the Defendants for:any judgments, daims or suits arising out of an incident or incidents involving Allie David, a minor, occurring on or about July 1,201 1 and discharging the Plaintiff fiorn any and all liability for said incidents under the policy. The Defendants Albrecht, through their attorney, have Gross-moved for an [* 2] b order granting summary judgment in favor of the Defendants Albrecht, declaring that the Plaintiff i obligated to defend and indemnify Billi Jo Albrecht with respect to the claims alleged s in the Complaint in the action entitled KellyKisner, Individually and asparent and natural guardian o AIlie David, an infant, Plaintiff versus Billi Jo Albrecht, Defendant , together with f attorney s fees. The underlying lawsuit in the affiliated case of Kisner, et al. v. Albrecht, Index No. 45772, relates to purported sexual abuse by the Defendant Jacob Albrecht, son of Bilii Jo and Richard Albrecht, of a infant daughter of Plaintiff Kisner. Oral argument was heard on the motions on July 30,2013 and counsel was given an opportunity to provide supplemental memoranda of law if they wished. Both attorneys did so, and the Court has reviewed the same. Counsel ¬or the KismrDavid parties are on notice of this motion but are not participating in the On September 12,2011, Plaintiff sent a letter to Defendants Albrecht didaiming coverage due to exclusions in the policy as more specifically outiined in paragraph 7 of the R b r Mwaluso Affidavit, Claims Manager for the Plaintiff Nationwide. Thereafter, the Kisner oet lawsuit was brought and Nationwide wrote the .Albrechtsagain on February 17,20 12, reiterating a disdaimer of coverage but further noting Accordingly, Nationwide ~ lnot indemnify you for l the allegations in the Complaint. However, we will defend you until there is a judicial determination of Nationwide s rights and obligations under the poky. Nationwide does not waive OF l h i t any of its rights under the subjectpolicy by citing the specific reasons for this disclaimer. 1 -2- [* 3] Nationwide requests that the C u t issue a judgment declaring that the policy issued by or Nationwide does not provide coverage for the incident of July 1,201 1 and that it has no duty to defend or indemnifjr Defendants Albrecht with respect to the allegations brought by Defendant Kisner. In response thereto, the Defendants Albrecht allege that Nationwide should be estopped by disclaiming coverage because the JSisner action has proceeded to depositions and they would be unduly prejudiced by allowing Nationwide to step out of litigation at this time. The Defendants also argue the Kisner action does not name Defendant Jacob Albrecht specifically but rather alleges that the infant Plaintiff w s subject to repeated incidents of sexual abuse by a a member of Defendants household, a male minor. The Court rejects the argument that the failure to specify Jacob Albrecht s name in the Kisner action is fatal to Nationwide s position that there is no coverage under the policy. The Kisner complaint does state that the repeated incidents of sexual abuse were by a member of Defendant s household, a male minor and the Nationwide policy specifically describes an insured as ...you, and the following if residents of your household at the resident s premises...@) any other person under age 21 in the care of you or your relatives. The policy goes on to exclude coverage for intentional acts by the insureds which are criminal in nature and committed by an insured and M e r excludes acts or omissions relating directly or indirectly to sexual molestation, physical or mental abuse. Accordingly, the only issue for the Court to determine is whether or not Nationwide is &topped fiom disdaiming-coverage. . I O Dowd v. American Suretv Co. ofNY, 3 NY 2d 347,355 (1957), the Court of n -3- . [* 4] Appeals stated It is clear that when an insured defends an action on behalf of an insured, in his stead, wt knowledge of facts constituting a defense to the coverage of the policy, it is thereafter ih estopped from asserting that the policy does not cover the claim (citations omitted). However, it is also well established that an insured may, by timely notice to the insured, reserve its rights to claim that the policy does not cover the situation at issue, while defending the action (citations omitted). The assertion of estoppel requires the insured to show factually that it has been prejudiced by the insurer s delay in asserting the defense of late notice, or that the insured had irrevocably changed its position. (4A NY Practice - Commercial Litigation in NYS Courts, 6 67: 11). Here however, there are no specifics to support the Defendants Albrecht s claims of prejudice. In conciusory fashion rather, it is alleged that because 18 months have elapsed since the action w s commenced and depositions have been completed, that prejudice exists. Because a Defendants Albrecht s submissions are insufficient to demonstrate they were prejudiced by the conduct ofthe litigation to date, or that the defense is of such that the character and strategy of the lawsuit can no longer be altered, the Court finds that summary judgment on behalf of the PiainWNationwide Property and Casualty Insurance should be granted. 206-208Main St. Associates Inc. v Arch Insurance Co.. 106 AD 3d 403 (1 Dept., 20 13), see also, Williamsv. NY Central Mutual Fire Insurance Co., 108 AD3d 1112 (4 Dept. 20 13). The cross motion ofthe Defendants should likewise be denied. THIS CONSTITUTES THE DECISION OF THE COURT. Counsel for Plaintiff to -4- \ [* 5] submit judgment i 'accordance herewith. n DATED: , . I i : -5- HON.DENN1 -'
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