Iaia v. Graphic Arts Mutual Insurance

OPINION OF THE COURT

Harold J. Hughes, J.

Plaintiff insureds commenced this action after their residence burned due to an electrical system failure and the defendant Hartford Accident and Indemnity Company (Hartford) refused to pay more than half of the loss, claiming that pursuant to Insurance Law § 3425, defendants Graphic Arts Mutual Insurance Company and Utica Mutual Insurance Company and its affiliates, the Utica National Insurance Group (Graphic Arts), did not effectively terminate an earlier policy and were, therefore, liable for the other half. The Hartford’s insurance policy is the…