Western Building Restoration Co. v. Lovell Safety Management Co.
Plaintiff, a construction company, purchased a workers' compensation policy and became a member of a safety group managed by the defendant. Plaintiff obtained a certificate of workers' compensation insurance through defendant for a Massachusetts project, but the policy stated coverage only for New York operations. After a Massachusetts employee was injured, defendant refused coverage, leading plaintiff to sue for breach of contract, negligence, estoppel, negligent misrepresentation, fraud, and General Business Law § 349. The Supreme Court partially denied defendant's summary judgment motion. The appellate court reversed, finding no contractual relationship or duty owed by defendant as a safety group manager, and dismissed all claims, concluding that the policy unambiguously limited coverage to New York workplaces, and plaintiff failed to demonstrate broad consumer impact for its General Business Law claim.