Bodlovic v. Giannoutsos
Miodrag Bodlovic, a plaintiff, sustained personal injuries while working for Gigi Salon & Spa due to a malfunctioning rollup gate. He and his wife sued the premises owners, Frank Giannoutsos, Paraskevi Giannoutsos, and Vasiliki Giannoutsos, alleging negligence. The Giannoutsos defendants, named as additional insureds on Gigi Salon's commercial general liability policy with United States Liability Insurance Company (USLIC), sought a declaration that USLIC was obligated to defend and indemnify them. USLIC moved for summary judgment, arguing a bodily injury exclusion in its policy precluded coverage. However, the Supreme Court, Queens County, denied this motion, finding an exception to the exclusion for liability assumed under an 'insured contract,' which in this case was the lease agreement between Gigi Salon and the Giannoutsos defendants. The Appellate Division, Second Department, affirmed the Supreme Court's order, concluding that USLIC failed to demonstrate, prima facie, that the defendants were not entitled to coverage.