State of New York, Respondent v. Home Indemnity Company, Appellant

Summary

The Court affirmed the Appellate Division's grant of summary judgment, holding that the insurance policy's ambiguous phrase does not require extrinsic evidence and must be construed against the insurer, thereby covering the State and its agencies. The decision rests on established principles that ambiguity resolved against the drafting insurer and that conclusory extrinsic evidence is insufficient.