Case Name: Maurice S. Wormser, Plaintiff, v. General Accident Assurance Corporation, Limited, Defendant
Court: New York Supreme Court, Appellate Division
Jurisdiction: New York
Decision Date: 1904-05
Citations: 94 A.D. 213
Docket Number: 
Parties: Maurice S. Wormser, Plaintiff, v. General Accident Assurance Corporation, Limited, Defendant.
Judges: 
Reporter: Appellate Division Reports
Volume: 94
Pages: 213–215

Head Matter:
Maurice S. Wormser, Plaintiff, v. General Accident Assurance Corporation, Limited, Defendant.
Burglary insurance policy—construction of clauses limiting the company’s liability thereunder.
A'policy of burglary insurance described the risk as follows: “Item A, §6,000 on Gold and Sterling Silverware, Watches, Jewelry, Wearing Apparel, Furs, Laces, Rugs,” with the following proviso: -“The liability of the Corporation to the Assured for the loss on Jewelry and Precious Stones, shall not exceed, under policies of this corporation, separately or together, the sum of one thousand dollars of the insurance attaching specifically to Item A.”
By a special agreement annexed to this policy it was further provided that the company should not be liable “For loss in excess of two hundred and fifty dollars on any one article unless otherwise endorsed on this policy.”
Held, that, in the event of the loss by the insured, through burglary, of a jeweled scarf pin worth §5,000, the insurance company was liable for §250 and. not for §1,000; <
That this was so even though it should be assumed that the clause limiting the insurance company’s liability to §1,000 should be construed as if it read: “The liability of this corporation to the assured for the loss on jewelry and precious stones, separately or together, shall not exceed, under policies of this corporation, the sum of one thousand dollars.” '
Submission of a controversy upon an agreed statement of facts, pursuant to section 1279 of the Code of Civil Procedure.
James P. Lee, for the plaintiff.
L. Hollingswortlh Wood, for the defendant.

Opinion:
Ingraham, J.:
On the 28th day of November, 1902, the defendant issued its policy whereby in consideration of the sum of $36.50 premium, paid by the plaintiff, the defendant agreed to indemnify the plaintiff to an amount not exceeding $6,000 for the term of twelve months from the 2d day of December, 1902, at noon, to the 2d day of December, 1903, at noon, against direct loss by burglary, larceny or theft, on any of the property described in the schedule, which was a part of the policy, occasioned by its felonious abstraction from the house, building, apartments or rooms actually occupied by the assured and described in the said schedule, caused by any domestic servant or other employee of the assured, or by any person or persons unlawfully in or upon the premises, and against direct loss by damage to the said property and to the said premises caused by burglars or thieves. The 'description of this property in the schedule is as follows: " Itém A, $6,000 on Gold and Sterling Silverware, Watches, Jewelry, Wearing Apparel, Furs, Laces, Rugs," etc., with the following proviso: " The liability of the Corporation to the Assured for the loss on Jewelry and Precious Stones, shall not exceed, under policies of this Corporation, separately or together, the sum of one thousand dollars of the insurance attaching specifically to Item A." By a special agreement annexed to this policy it was further provided that the company shall not be liable •" For loss in excess of two hundred and fifty dollars on any one article unless otherwise endorsed on this policy."
It was also stated in the submission that on or about the 6th day of February, 1903, and during the time when the said policy was in force, " a certain jeweled scarf pin, the property of the plaintiff, worth the sum of about Five thousand (5,000) dollars, was taken by burglary, larceny or theft from the house" specified in the policy No. 14 East Sixty-second street, New York city; that the defendant company admits its liability to the plaintiff under said policy of assurance in the sum of $250 by reason of the facts stated, but the defendant alleges that it is under no further liability whatsoever: that the plaintiff claims that the defendant company is liable to him under said policy of assurance, by reason of the facts stated, in the sum of $1,000, no payt of which has been paid, although demand therefor has been duly made. The plaintiff, therefore, demands judgment against the defendant in the sum of $1,000, with interest from February 6, 1903, with costs.
The question thus presented is whether the defendant is liable upon this policy for $250 or $1,000 on account of the loss by the plaintiff of a jeweled scarf pin worth about the sum of $5,000. The defendant had agreed to insure the plaintiff against direct loss by burglary, larceny or theft to the amount of $6,000 on various articles, including jewelry and precious stones. .Then, to limit its liability, it was provided that " The liability of the Corporation to the Assured for the loss on Jewelry and Precious Stones, shall not exceed, under policies of this Corporation, separately or together, the sum. of one thousand dollars of the insurance attaching specifically to Item A." Whether the words " separately or together " applied to " Jewelry and Precious Stones " or " under policies of this Corporation " is not entirely clear. The corporation had issued but one policy to this plaintiff, but the words of the policy would seem to apply to a case where several policies had been issued. The plaintiff claims that by reason of the comma after the word " Corporation " the grammatical construction of the sentence requires that the words " separately or together " should apply to a loss on jewelry and precious stones, as if the clause read, " The liability of this corporation to the assured for the loss on jewelry and precious stones, separately or together, shall not exceed, under policies of this corporation, the sum of one thousand dollars." Yet, assuming that this was the construction to be given to this clause, the policy would seem to place in a separate class "Jewelry and Precious Stones" and provide that the liability of the corporation for the loss on jewelry and precious stones, separate or together, that is, whether the precious stones were a part of the jewelry or separate therefrom, was not to exceed $1,000, and this clause then must be read in connection with the special agreement that the corporation shall not be liable " For loss in excess of two hundred and fifty dollars on any one article unless otherwise endorsed on this policy." So, assuming that the construction should be that claimed by the plaintiff, it would seem that the policy limits the liability of the corporation to the sum of $250 on any one article of jewelry. There seems to be no construction that can be given to this instrument, if force is to be given to both of these clauses, that would impose a liability upon the defendant in excess of $250.
It follows that the plaintiff is entitled to judgment for $250 and interest from February 6, 1903, with costs.
Van Brunt, P. J., O'Brien, McLaughlin and Hatch, JJ., concurred.
Judgment ordered in favor of plaintiff, as directed in opinion, with costs.