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File: /home/agentsof/public_html/index.php
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Message: Creation of dynamic property Home::$email is deprecated
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Message: Creation of dynamic property Home::$leadmodel is deprecated
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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After Hours: New Jersey Superior Court Holds Definition of Employee and Exclusion for Employee’s Criminal Acts Both to be Unambiguous
After Hours: New Jersey Superior Court Holds Definition of Employee and Exclusion for Employee’s Criminal Acts Both to be Unambiguous
In Union Hill Supremo Pharmacy v. Franklin Mut. Ins. Co. , No. L-705-13 (N.J. Super. Ct. App. Div., March 4, 2015) the Superior Court of New Jersey, Appellate Division decided that an insurance policyaEUR(TM)s definition of aEURoeemployeeaEUR? was unambiguous. The court further held that a part-time employee fell within the definition of aEURoeemployeeaEUR? and that a policy exclusion based on an aEURoeemployeeaEUR(TM)saEUR? criminal acts applied even when the employee was not working at the time of the crimeaEUR(TM)s commission.
The insured, a pharmacy, incurred a $300,000 loss in stolen merchandise after being robbed by three men. The insuredaEUR(TM)s employee, a technicianaEUR(TM)s assistant, was an accomplice. The employee figured out the insuredaEUR(TM)s security code on her day off by watching another employee type in the numbers. She also made a copy of a key to the pharmacy. She then supplied both the security code and the key to the men who committed the robbery.
The insured submitted its claim to its insurer, who disclaimed on the basis of an exclusion. The exclusion precluded coverage for aEURoeaEUR|Criminal, dishonest, or fraudulent acts by, or instigated by, you or your directors, employees, officers, partners, or trustees or other insureds, or by anyone given possession of property, other than a Bailee for hire.aEUR? The policy defined aEURoeemployeeaEUR? as aEURoea person employed by you and includes a leased worker. Employee does not include a temporary worker or independent contractor.aEUR? The insured commenced a declaratory action against the insurer, but the trial court granted summary judgment to the insurer. The insured appealed.
First, the insured argued that there was an issue of fact regarding whether the definition of aEURoeemployeeaEUR? was ambiguous and should be interpreted in the insuredaEUR(TM)s favor. The insured contended that the term did not apply to the technicianaEUR(TM)s assistant because she was a part-time, hourly employee. The court rejected this argument, stating that the policy did not exempt part-time employees from the definition of aEURoeemployeeaEUR?. The court further held that the definition of aEURoeemployeeaEUR? was not ambiguous.
Second, the insured argued that the exclusion is ambiguous and should only apply to employees whoaEUR(TM)s excluded conduct occurs during working hours. The court also rejected this argument. The court was also not persuaded that the employee in question committed the crime during non-working hours since she could only obtain the security code and copy the key by virtue of her knowledge of the pharmacy.
Accordingly, the court affirmed summary judgment in favor of the insurer.
The decision that the term aEURoeemployeeaEUR? as used in an insurance policy is not ambiguous has significant implications for insurers. Standard policies do not contain exhaustive definitions of who constitutes an aEURoeemployee.aEUR? This decision shows that courts will not ordinarily strain to find an ambiguity where none exists in the ordinary meaning of a term.
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