Certified Multi-media Solutions, Ltd. v. Preferred Contractors Insurance Co. Risk Retention Group, LLC
This case involves a dispute over insurance coverage between Certified MultiMedia Solutions, LTD (Plaintiff) and Preferred Contractors Insurance Company Risk Retention Group, LLC (Defendant) regarding a commercial general liability policy. Plaintiff sought a declaratory judgment that the Defendant is obligated to defend and indemnify it in a third-party action related to a worker's injury by Anthony Balzano. The core dispute centered on the interpretation of Endorsement 23 of the policy, which the Defendant argued limited coverage to $10,000 for bodily injury claims. The Court, however, adopted the Plaintiff's interpretation, finding that the $10,000 limit only applied if the employee sustained a 'grave injury' under New York State Workers’ Compensation Law, which was not the case here. Consequently, the Defendant's motion to dismiss was denied, and the Plaintiff's motion for summary judgment was granted, entitling the Plaintiff to coverage up to the $1,000,000 policy limit.