Appellate Division of the Supreme Court of the State of New York October 25, 2011 (RLI Insurance v. Steely)

*976The defendant William Steely sought insurance coverage for a boating accident pursuant to, inter alia, a homeowner’s policy issued to him by the defendant New York Central Mutual Fire Insurance Company (hereinafter NY Mutual), and an umbrella policy issued to him by the plaintiff, RLI Insurance Company.