Claim of Senay v. BH Motto & Co.
Claimant, an outside worker for a plumbing contractor, was injured in an automobile accident while traveling to work. A dispute arose between two insurers, State Insurance Fund (SIF) and National Union Fire Insurance Company, regarding liability for the claimant's workers' compensation benefits. SIF's policy had an exclusion for a specific work site ("I.S. 52 Staten Island N.Y."), while National Union's policy covered "I.S. 52" for Authority projects. The Workers' Compensation Board ruled that SIF was liable, interpreting the policies to mean National's policy covered the excluded Staten Island site, while SIF's policy covered the Manhattan site where the claimant was traveling. The Board also concluded that SIF provided primary general coverage compared to National's limited coverage. The Appellate Division affirmed the Board's decisions, finding its interpretation of the policy provisions and liability assessment rational.