Case Name: John Sanginito et al., Appellants, v. National Grange Mutual Insurance Company, Respondent
Court: New York Supreme Court, Appellate Division
Jurisdiction: New York
Decision Date: 2008-06-10
Citations: 52 A.D.3d 267
Docket Number: 
Parties: John Sanginito et al., Appellants, v National Grange Mutual Insurance Company, Respondent.
Judges: 
Reporter: Appellate Division Reports
Volume: 52
Pages: 267–268

Head Matter:
John Sanginito et al., Appellants, v National Grange Mutual Insurance Company, Respondent.
[859 NYS2d 431]

Opinion:
Order, Supreme Court, Bronx County (Howard H. Sherman, J.), entered August 30, 2007, which denied plaintiffs' motion for summary judgment, unanimously affirmed, without costs.
To negate coverage by virtue of an exclusion, an insurer must establish that the exclusion is stated in clear and unmistakable language, is subject to no other reasonable interpretations, and applies in the particular case (Continental Cas. Co. v Rapid-American Corp., 80 NY2d 640, 652 [1993]).
We agree with the motion court that the exclusion is not clear and unambiguous. Further, there are unresolved questions of fact remaining as to whether or not the business purpose of and work performed by plaintiffs excluded them from coverage under the policy. Concur—Lippman, EJ., Williams, Moskowitz and Acosta, JJ.