United States Fidelity and Guaranty Company, Respondent v. William G. Copfer

Summary

The New York Court of Appeals affirmed the Appellate Division’s summary‑judgment ruling for the insurer, holding that the insurer breached its duty to defend and indemnify, is liable for the insured’s defense costs and any judgment up to policy limits, but the insured’s claim for additional bad‑faith damages fails because no actual loss of a settlement opportunity was shown.