Arthur A. Johnson Corporation, Respondents v. Indemnity Insurance Company of North America, Appellant

Summary

The Court of Appeals affirmed the Appellate Division, holding that the two separate wall collapses constituted two distinct accidents under the insurance policy, making the insurer liable for damages beyond the $50,000 per‑accident limit. The decision rests on a common‑sense interpretation of "accident" as separate unexpected events, and notes that the additional contractual liability endorsement does not limit the insurer's responsibility.