Court Opinion

ID: 5951799
Source: CourtListenerOpinion
Date Created: 2022-01-13 06:24:07.045815+00
Date Added: 2024-06-11T08:47:43.270250
License: Public Domain

Sullivan, J. P.,
dissents in a memorandum as follows: I would reverse and grant summary judgment to Aetna to the extent of declaring that Aetna is not obligated to indemnify or defend defendant and third-party plaintiff Blanche Field in *766the primary action. As to personal liability (Coverage E), the coverage provision at issue here, the policy provides that Aetna will provide a defense and pay up to its limit of liability for the damages for which the insured is legally liable. Under "section ii — exclusions,” however, the policy further provides:
"Coverage E — Personal Liability * * * do[es] not apply to bodily injury or property damage * * *
"b. arising out of business pursuits of any insured or the rental or holding for rental of any part of any premises by any insured.”
Although the structure located at 362 West 255th Street was an "other insured location” and thus covered under other provisions of Aetna’s Homeowners Policy, e.g., "all risks of physical loss”, the claims asserted on the Knudsens’ behalf clearly fall within the policy’s personal liability exclusion since Mrs. Field rented it to them. Subpart d of the personal liability exclusions provides an additional exclusion for personal liability "arising out of any premises owned [by] or rented to any insured which is not an insured location”; it does not, as Mrs. Field contends, exempt rental premises classified as an "insured location” from the rental premises exclusion.