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JKT CONSTRUCTION, INC., Doing Business as CORCON, Respondent, v. UNITED STATES LIABILITY INSURANCE GROUP et al., Defendants, and DINGEGAR-SCHNEIDER REACCUGLIA AGENCY, INC., Appellant.

Ordered that the order and judgment is reversed insofar as appealed from, on the law, with costs, and the motion for summary judgment dismissing the complaint insofar as asserted against the defendant Dingegar-Schneider Reaccuglia Agency, Inc., is granted.

An insurance agent or broker has a common-law duty to obtain requested coverage for a client within a reasonable amount of time or to inform the client of the inability to do so ( see Murphy v Kuhn, 90 NY2d 266, 270; Loevner v Sullivan Strauss Agency, Inc., 35 AD3d 392, 393, lv denied 8 NY3d 808; Reilly v Progressive Ins. Co., 288 AD2d 365; Chaim v Benedict, 216 AD2d 347). Absent a specific request for coverage not already in a client's policy, or the existence of a special relationship with the client, an insurance agent or broker has no continuing duty to advise, guide, or direct a client to obtain additional coverage ( see Murphy v Kuhn, supra at 270-271; Loevner v Sullivan Strauss Agency, Inc., 35 AD3d 392, 393; Reilly v Progressive Ins. Co., supra at 366).

Here, the appellant demonstrated its prima facie entitlement to summary judgment by presenting evidence that it procured the specific insurance coverage the plaintiff requested, namely, a general liability policy ( see Empire Indus. Corp. v Insurance Cos. of N. Am., 226 AD2d 580, 581). Moreover, the appellant also demonstrated that a specific exclusionary clause later sought by the plaintiff was not available at the time the policy was procured ( see Mott v New York Prop. Ins. Underwriting Assn., 209 AD2d 981; Hjemdahl-Monsen v Faulkner, 204 AD2d 516, 51711994]; Rodriguez v Investors Ins. Co. of Am., 201 AD2d 355, 356; MacDonald v Carpenter Pelton, 31 AD2d 952, 954). Furthermore, there is no evidence that the appellant breached any duty to advise the plaintiff as to the insurance coverage ( see Murphy v Kuhn, supra at 270-271; cf. Reilly v Progressive Ins. Co., supra at 366). The plaintiff failed to raise a triable issue of fact in opposition to the appellant's showing of its prima facie entitlement to judgment as a matter of law ( see Zuckerman v City of New York, 49 NY2d 557, 562-563; Gershman v Habib, 37 AD3d 530).

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JKT CONS. v. REACCUGLIA AGENCY
(Apr 10, 2007)