Belt Painting Corp. v. TIG Insurance
This case addresses whether an 'absolute pollution exclusion' in an insurance policy applies to indoor dissemination of paint or paint solvent fumes. Belt Painting Corp., the plaintiff, was sued by Joseph and Maria Cinquemani for injuries sustained from inhaling fumes during Belt's work. TIG Insurance Company, the defendant and Belt's insurer, denied coverage based on the pollution exclusion. The Supreme Court initially sided with TIG, but the Appellate Division reversed the decision. The Appellate Division held that the exclusion does not apply to cases where the 'environment,' as commonly understood, is unaffected by what could realistically be defined as 'pollution,' thus mandating TIG to defend and indemnify Belt.