Case Name: Willets Point Contracting Corporation, Appellant, v. Hartford Insurance Group et al., Respondents
Court: New York Court of Appeals
Jurisdiction: New York
Decision Date: 1981-05-07
Citations: 53 N.Y.2d 879
Docket Number: 
Parties: Willets Point Contracting Corporation, Appellant, v Hartford Insurance Group et al., Respondents.
Judges: 
Reporter: New York Reports
Volume: 53
Pages: 879–881

Head Matter:
Willets Point Contracting Corporation, Appellant, v Hartford Insurance Group et al., Respondents.
Argued March 27, 1981;
decided May 7, 1981
APPEARANCES OF COUNSEL
Harvey Weinig and Stephen A. Ressa for appellant.
James M. O’Brien and Michael F. Sheehan for Hartford Insurance Group, respondent.
Edward G. McCabe, County Attorney (Robert O. Boyhan of counsel), for Nassau County, respondent.

Opinion:
OPINION OF THE COURT
Memorandum:.
The order of the Appellate Division should be affirmed, with costs.
While the comprehensive general liability policy's broad definition of property damage provides coverage for loss of use of tangible personal property without physical damage thereto, exclusion "(m)" explicitly disclaims coverage where the injury results from a breach of contract, as in this case. As to the umbrella policy, its narrower definition of property damage does not encompass the nonphysical injury suffered by the plaintiff. Thus even though the alleged "ultimate net loss" was in excess of this policy's $10,000 "retained limit", the insurer's obligation to indemnify was not triggered.
Chief Judge Cooke and Judges Jasen, Gabrielli, Jones, Wachtler, Fuchsberg and Meyer concur.
Order affirmed, with costs, in a memorandum.