De Lisa v. Amica Mutual Insurance

OPINION OF THE COURT

Mahoney, J.

After taking proof in an action for a declaratory judgment, the trial court determined that Arnica Mutual Insurance Company (Arnica) was obligated to defend and, if necessary, to indemnify plaintiffs for money damages recovered by one Jayne Schiff in a negligence action against plaintiffs following an accident which occurred on property owned by them in Albany County.

Plaintiffs purchased the subject 190-acre plot in the Town of Knox, Albany County, on August 14, 1968. Two structures then on the premises burned down within several months of the purchase date.…