Dryden Mutual Insurance v. Goessl
This case concerns an insurance coverage dispute arising from a fire during plumbing work. Plaintiff Dryden Mutual Insurance Company sought a declaration that it had no duty to defend or indemnify defendant Stanley Goessl, who operated as S&K Plumbing, in an underlying tort action. Dryden claimed Goessl was an employee of AP Daino & Plumbing, Inc., whose insurer, The Main Street America Group (MSA), also disclaimed coverage, asserting Goessl was not their employee. The Supreme Court initially found Dryden not liable and MSA liable, but the Appellate Court reversed this decision. The appellate ruling determined that Dryden Mutual Insurance Company is obligated to defend and indemnify Goessl as a sole proprietor, and MSA is not obligated because Goessl was an independent contractor, not an employee of AP Daino, according to their policy terms.