Hanover Insurance v. Cape Cod Custom Home Theater Inc.

The defendant insured filed a claim of loss with the plaintiff insurer under a business owner’s policy of insurance, the claimed loss arising from a reported break-in at the insured’s business premises. Following a prompt investigation giving rise to reasonable suspicion that the break-in may have been an “inside job,” the insurer requested that the insured produce certain financial documentation and submit to an examination under oath. The insured failed without explanation to appear at the first scheduled examination, and was nonresponsive in material respects at two rescheduled…