770 N.Y.S.2d 27 | N.Y. App. Div. | 2003
In light of the absence of evidence of a special relationship between defendants and plaintiff, upon which a duty to advise plaintiff respecting the terms of its insurance policy might be premised, plaintiffs negligence claims were properly dismissed (see Murphy v Kuhn, 90 NY2d 266, 270-271 [1997]; cf. Baseball Off. of Commr. v Marsh & McLennan, 295 AD2d 73 [2002]). Moreover, plaintiff has set forth no independent ground upon which to advance a claim for negligence in addition to its cause of action for breach of contract (Clark-Fitzpatrick, Inc. v Long Is. R.R. Co., 70 NY2d 382, 389-390 [1987]; see also McMahan & Co. v Bass, 250 AD2d 460, 462 [1998], lv denied in part and dismissed in part 92 NY2d 1013 [1998]). Plaintiffs malpractice claims were not viable since, inter alia, defendant insurance brokers and adjuster are not deemed to be professionals (see Chase Scientific Research v NIA Group, 96 NY2d 20, 30 [2001]; Santiago v 1370 Broadway Assoc., 96 NY2d 765, 766 [2001]).
While it is reasonable to impose on an insurance adjuster the obligation to conclude negotiations with a carrier in time to preserve the insured’s right to commence litigation should the carrier unreasonably delay payment of the claim, plaintiff has failed to demonstrate that it had a contractual relationship with defendant Polar at the time of the asserted breach (see Kagan v K-Tel Entertainment, 172 AD2d 375, 377 [1991]). Mere speculation that Polar remained in a joint venture with plaintiffs public adjuster, defendant Meadowbrook-Richman, when plaintiffs