{"id":"court_ctb_1787_0","court":"CTB","case_no":"22-50073","doc_number":1787,"sub_number":0,"doc_type":"JUDGMENT","filed_date":null,"title":"- -- -","summary_zh":null,"summary_en":null,"body_en":"#### - --\n-\n\n|
0
AIG PROPERTY CASUALTY COMPANY
GENEVER HOLDINGS LLC,
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Saxe Doernberger & Vita, PC
John F. O'Connor
Steptoe
35 Nutmeg Drive, Trumbull, CT 06611,
1330 Connecticut Ave, NW, Washington, DC, 202-429-3000
203-287-2100
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This claim is an insurance coverage action involving AIG property and liability coverage. AIG 1) refused to provide property
coverage for a fire loss, 2) refused to provide third-party liability coverage for anticipated lawsuits against the insured for damage
to third-party property, and 3) wrongfully attempted to cancel all of the insured's policies. Claimants are bringing causes of
action for breach of contract and declaratory judgment pursuant to 28 U.SC. 2201. Claimant also seeks injunctive relief
foreclosing AIG from cancelling its policies
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o Wan Kwok et al. | | & )(*+',-, .\"#/ | 22-50073 (JAM) |\n|---------------------------------------|----------|-------------------------------------|-------------------------|\n| %0.'(0,'0120,2, .\"0.+\"%03 | | %040.0##\\$\\$0,\" | !\"#\\$5*%3\" |\n| | | 6 | |\n| +7 0'0\\$\\$ | %\"\\$\"% ' | | %4\"(. (-
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| |\n\n#\n\n ':;<=>=?@A>AAIBH;N/&;IBFK;H:;CB?DEFGHIJ;KHBH;=KKA;SH;?K=R;B?NH:; OFE=KN=IH=A?ABPKF=HKAR;EH:;GEAG;EHJAEGEAG;EHJE=@:HKAKATBJC; >BPKF=HKIA?I;E?=?@H:;N;CHAEUKN=KI:BE@;/0BPKF=H=K<=>;N=?BCB?DEFGHIJIAFEHQ=H=KIB>>;NB?BNR;EKBEJ GEAI;;N=?@/\n\n GBEHJ<=>=?@B?BNR;EKBEJGEAI;;N=?@TFKHB>KATFKHIATG>;H;B?N<=>;\\$AETVWXWQH:; NR;EKBEJ+EAI;;N=?@ ,AR;E.:;;HQF?>;KKH:;GBEHJ<=>;KH:;BNR;EKBEJGEAI;;N=?@;>;IHEA?=IB>>JH:EAF@:H:;IAFEHUK,BK;!B?B@;T;?HY\">;IHEA?=I ,BK;\\$=>=?@KJKH;T8,!Y\",\\$9/8,!Y\",\\$IBGHFE;KH:;=?=?@GEAI;KK/91:;? IATG>;H;NQH:;IAR;EK:;;HKFTTBE=Z;KCBK=I=?;EDAE;GAEHKA?IAFEHBIH=R=HJ/ ':;IAR;EK:;;HB?NH:;=?BI;AEKFGG>;T;?HH:;<=>=?@B?NK;ER=I;A;BN=?@K AEAH:;EGBG;EKBKE;[F=E;NCJ>BPQH:;&B?DEFGHIJ(F>;KQAEH:;>AIB>EF>;KABE@;>JK;><\\ ;SG>B?BHAEJQTFKHC;IATG>;H;NCJH:;G>B=?H=<B=?H=<<=B=?H=<<=K?AHE;GE;K;?H;NCJB? BHHAE?;J9/ K;GBEBH;IAR;EK:;;HTFKHC;KFCT=HH;NHAH:;I>;EDB=?H<=>;N/\n\n]^\\_`a\\_bbcB?Ndbd`e^`acf3=R;H:;?BT;KAB=?H=<JBKH:;JBGG;BEA?H:;IATG>B=?H/\n\n aagh`dicf3=R;H:;?BT;KB?NBNNE;KK;KAFT?B=?H=<FT?>BEBTAF?HC;=?@N;TB?N;N=?H:;IATG>B=?H/\n\n \\_k`^alhdf':=KIAR;EK:;;HTFKHC;K=@?;NCJH:;BHHAE?;JAB=?H=<<=KE;GE;K;?H;NCJB>BP<=ETQBT;TC;EAB=?H=<<=KGEAK;QH:BH=KQ?AHE;GE;K;?H;NCJB? BHHAE?;JQH:;G>B=?H=<: | Chapter 11 | |\n| et al.,1
HO WAN KWOK, | | :
: | Case No. 22-50073 (JAM) | |\n| | Debtors. | :
:
: | (Jointly Administered) | |\n| ------------------------------------------------------ | | x
: | | |\n| GENEVER HOLDINGS LLC, | | :
: | | |\n| v. | Plaintiffs, | :
: | Adv. Proceeding No. [ | ] |\n| AIG PROPERTY CASUALTY COMPANYH | | :
: | | |\n| | Defendant. | :
:
: | May 12,
2023 | |\n| ------------------------------------------------------ | | :
x | | |\n\n# **COMPLAINT UNDER SECTIONS 105 AND 363 OF THE BANKRUPTCY CODE AND BANKRUPTCY RULE 7001 OF GENEVER HOLDINGS LLC AGAINST AIG PROPERTY CASUALTY COMPANY UNDER VARIOUS INSURANCE POLICIES FOR BREACH OF CONTRACT AND DECLARATORY JUDGMENT**\n\nGenever Holdings LLC (\"Genever (US)\"), debtor in the above-captioned jointly administered cases (collectively, the \"Chapter 11 Cases\"), by and through their respective undersigned counsel, bring this adversary complaint against defendant AIG Property Casualty Company (\"AIG\").\n\n1 The Debtors in these chapter 11 cases are Ho Wan Kwok (also known as Guo Wengui, Miles Guo, and Miles Kwok, as well as numerous other aliases) (last four digits of tax identification number: 9595), Genever Holdings LLC (last four digits of tax identification number: 8202) and Genever Holdings Corporation. The mailing address for the Trustee, Genever Holdings LLC, and the Genever Holdings Corporation is Paul Hastings LLP, 200 Park Avenue, New York, NY 10166 c/o Luc A. Despins, as Trustee for the Estate of Ho Wan Kwok (solely for purposes of notices and communications).\n\n# **NATURE OF ACTION[2](#page-3-0)**\n\n1. Genever (US) owns apartment space comprised of the entire 18th floor (the \"Apartment\"), as well as Apartment MR 2219, and Apartment MR 719 (collectively with the Apartment, the \"Covered Residences\") in the Sherry-Netherland building located at 781 Fifth Avenue, New York, New York 10022 (the \"Sherry-Netherland\").\n\n2. Thus, the Covered Residences are property of Genever (US)'s estate.\n\n3. Genever (US) purchased from AIG property insurance coverage in excess of \\$28 million to protect the Covered Residences and valuable property therein. The insurance Genever (US) purchased obligates AIG to pay for \"all risk\" of property loss that Genever (US) may suffer except that which is expressly excluded. In addition, the insurance Genever (US) purchased from AIG affords liability coverage for claims arising out of its ownership of the Covered Residences. The property and liability insurance policies AIG sold to Genever (US) are hereinafter referred to as the \"AIG Insurance Policies.\" See Exhibits 6, 9, 12-14.\n\n4. On March 15, 2023, Genever (US) suffered a loss at the Apartment when a fire broke out (the \"Fire\"). As a result of the Fire, Genever (US) has suffered physical damage to its Apartment and property therein.\n\n5. Genever (US)'s damages are still being calculated, but the losses are known to reach into the millions of dollars.\n\n6. Genever (US)'s \"all risk\" property insurance provides the broadest insurance protection for any damages not specifically excluded, and the insurance is designed to, and does, cover the type of loss Genever (US) suffered. See generally id.\n\n2 Capitalized terms not defined in the Nature of the Action section shall have the meanings ascribed to them elsewhere in this Adversary Proceeding Complaint.\n\n7. Genever (US) provided prompt notice of the Fire to AIG through AIG's agent at Wolfson Insurance Brokerage, Inc (\"Wolfson\"). See March 16, 2023 Email Patrick Linsey to Catherine Skibitcky, attached hereto as Exhibit 21.\n\n8. On April 17, 2023, AIG stated that it was conducting an investigation into the Fire. See April 17, 2023 Letter Michael Bono to Luc Despins, attached hereto as Exhibit 17.\n\n9. However, eight (8) days later and without any indication that AIG had concluded its investigation, AIG issued \"Notices of Cancellation of Insurance,\" purporting to cancel the AIG Insurance Policies. See Notices of Cancellation of Insurance, attached hereto as Exhibits 1-5.\n\n10. As grounds for cancellation, AIG listed \"discovery of willful or reckless acts by the insured increasing the hazard insured against\" and \"physical changes in the property insured, after issuance of the renewal, which resulted in the property becoming uninsurable in accordance with the Company's underwriting standards.\" Id.\n\n11. AIG did not explain or provide any factual basis for these purported grounds for cancellation. See id.\n\n12. The AIG Insurance Policies include a Homeowner's Amendatory Endorsement, which, in accordance with New York insurance regulations, provides AIG with limited bases for cancellation:\n\n3\n\n-\n-\n- -\n\t-\n\t-\n\t-\n\t-\n\nE.g., Exhibit 6 at 42 (emphasis added).\n\n13. In fact, the day after it issued the Notices of Cancellation, AIG reiterated that \"AIG's\n\ninvestigation into the Claim is ongoing.\" See April 26, 2023 Letter Michael Bono to John Panico,\n\nattached hereto as Exhibit 7.\n\n14. AIG's Notices of Cancellation purport to take effect on May 31, 2023. See Exhibits\n\n1-5.\n\n15. AIG's stated grounds for attempting to cancel the AIG Insurance Policies are both unduly vague and meritless.\n\n16. AIG's improper attempt to cancel the AIG Insurance Policies constitutes a breach of the policies' terms and applicable insurance statutes, potentially resulting in Genever (US) losing ownership of its property. Thus, AIG should be enjoined to prevent cancellation and AIG's improper avoidance of its continuing coverage obligations.\n\n17. Moreover, the losses that Genever (US) has suffered are covered under the \"all risk\" insurance, and AIG's material denial of coverage for these losses to the severe detriment of Genever (US) is a breach of contract.\n\n### **JURISIDICTION AND VENUE**\n\n18. The United States Bankruptcy Court for the District of Connecticut (the \"Bankruptcy Court\" or the \"Court\") has jurisdiction over this adversary proceeding pursuant to 28 U.S.C. §§ 157, 1334, and sections 105 and 363 of the Bankruptcy Code and Bankruptcy Rule 7001.\n\n19. Venue is proper before this Court pursuant to 28 U.S.C. §§ 1408 and 1409.\n\n20. This adversary proceeding is commenced pursuant to Bankruptcy Rules 7001(1) and 7001(7) and seeks relief under sections 105(a) and 363 of the Bankruptcy Code.\n\n21. The AIG Insurance Policies are property of the Genever (US) bankruptcy estate. AIG has taken the position that these policies are post-petition contracts, which renders this adversary proceeding a \"core\" proceeding to be determined by this Court pursuant to 28 U.S.C. § 157(b)(2) because it involves both property of Genever (US)'s estate and claims Genever (US)'s estate possesses under the AIG Insurance Policies.\n\n### **PARTIES**\n\n22. Genever (US) is a New York limited liability company. Genever (US) owns the Covered Residences. As detailed below, the Trustee of the estate of Ho Wan Kwok indirectly controls Genever (US) through the estate's ownership of all shares of Genever Holdings Corporation (\"Genever (BVI)\"), which, in turn, wholly owns Genever (US).\n\n23. AIG is, on information and belief, a corporation organized and existing under the laws of the State of Illinois, with its principal offices in New York, New York. On information and belief, AIG is authorized to, has done, and continues to do business in the States of Connecticut and New York.\n\n### **FACTUAL ALLEGATIONS**\n\n## **A. Genever (US)'s Property and All-Risk Insurance Coverage**\n\n24. On March 6, 2015, Genever (US) executed a proprietary lease with the Sherry-Netherland (the \"Proprietary Lease\"), a cooperative housing corporation through which Genever (US) owns a number of shares that are assigned to various apartments that Genever (US) leases. See Proprietary Lease, attached hereto as Exhibit 15.\n\n25. Pursuant to the Proprietary Lease, maintaining insurance on the Covered Residences is a requirement for Genever (US)'s continued ownership of those properties.\n\n26. Under the Proprietary Lease, Genever (US) is required to maintain property and liability insurance on the Covered Residences as a condition of ownership. See Exhibit 15 at § 3.30. If Genever (US) fails to maintain continuous insurance coverage in connection with the Covered Residences, it will be in default of the Proprietary Lease. Id. (\"The failure of the Lessee to obtain and maintain, throughout the term of this lease, the insurance required in (a) and (b) above shall be a default under the lease.\").\n\n27. In the event of a default and the inability to cure the default within thirty (30) days (Id. at § 4.1(e)), Genever (US)'s Proprietary Lease provides that such lease could be terminated (Id. at § 4.1), and its shares allocable to the apartment for which it has defaulted could be forfeited. Id. at § 4.4.\n\n28. Pursuant to the terms of the Proprietary Lease, Genever (US) purchased the AIG Insurance Policies, including \"all risk\" homeowners insurance covering both first-party property and third-party liability risks in connection with residential spaces (and valuable personal property)\n\nGenever (US) owned in the Sherry-Netherland at 781 Fifth Avenue, New York, New York 10022.\n\n- 29. Specifically, AIG sold to Genever (US) the following AIG Insurance Policies:\n\t- a) Homeowners Policy No. PCG 0061821440, in effect between March 6, 2023 and March 6, 2024, covering \"781 Fifth Avenue, 18th Floor, New York, NY 10022,\" attached hereto as Exhibit 9;\n\t- b) Homeowners Policy No. PCG 0061821443, in effect between March 6, 2023 and March 6, 2024, covering \"781 Fifth Avenue Apt # 2219, New York, NY 10022,\" attached hereto as Exhibit 12;\n\t- c) Homeowners Policy No. PCG 0061821444, in effect between March 6, 2023 and March 6, 2024, covering \"781 Fifth Avenue Apt # 719, New York, NY 10022,\" attached hereto as Exhibit 6;\n\t- d) Private Collections Policy No. PCG 0013893743, in effect between March 6, 2023 and March 6, 2024, covering \"valuable articles anywhere in the world,\" attached hereto as Exhibit 13 (the \"Private Collections Policy\");\n\t- e) Excess Liability Policy No. PCG 0017034504, in effect between March 6, 2023 and March 6, 2024, providing excess liability coverage on substantially the same terms and conditions as the above-listed homeowners policies, attached hereto as Exhibit 14 (the \"Excess Liability Policy\").\n\n30. Each of the AIG Insurance Policies lists Genever (US) as the named \"Insured.\" None of the AIG Insurance Policies contain a \"change of control\" provision permitting AIG to deny, restrict, or terminate coverage on the basis of a change in ownership or control of the insured.\n\n31. The insurance policies numbered PCG 0061821440, PCG 0061821443, PCG 0061821444 (collectively, the \"Homeowners Policies\") each cover a different unit of the Covered Residences. See Exhibits 6, 9 and 12.\n\n32. The Homeowners Policies each provide coverage for Genever (US)'s property on an \"all risk\" basis, meaning that Genever (US) is covered against a cause of loss to its covered property not otherwise excluded by the Homeowners Policies:\n\nE.g., Exhibit 6 at Part II, A.\n\n33. The Private Collections Policy also provides coverage for Genever (US)'s property on an \"all risk\" basis, meaning that Genever (US) is covered against a cause of loss to its valuable articles not otherwise excluded by the Private Collections Policy:\n\nExhibit 13 at Section II, A.\n\n34. The Homeowners Policies also provide third-party liability coverage, obligating AIG to defend Genever (US) against any suit seeking covered damages for personal injury or property damage, and to pay damages Genever (US) is obligated to pay for personal injury or property damage caused by an \"Occurrence.\" See, e.g., Exhibit 6 at Part III, A. (\"We will pay **damages** an **insured** is legally obligated to pay for **personal injury** or **property damage** caused by an **occurrence** covered by this policy . . ..\") (emphasis in original).\n\n35. The Excess Liability Policy provides third-party liability coverage in excess of, and pursuant to functionally the same terms as the third-party liability coverage provided by the Homeowners Policies. See Exhibit 14 at Part II, A. The Excess Liability Policy also provides \"first dollar\" third-party liability coverage in certain circumstances. See id.\n\n36. Each of the AIG Insurance Policies only permits AIG to cancel such policy under\n\ncertain strict conditions, which mirror the requirements of New York Insurance Law § 3425(c)(2):\n\n(c) After a covered policy has been in effect for sixty days, or upon the effective date if the policy is a renewal, no notice of cancellation shall be issued to become effective unless required pursuant to a program approved by the superintendent as necessary because a continuation of the present premium volume would be hazardous to the interests of policyholders of the insurer, its creditors or the public, or unless it is based on one or more of the following:\n\n. . .\n\n(2) With respect to personal lines insurance policies:\n\n. . .\n\n(A) nonpayment of premium, provided, however, that a notice of cancellation on this ground shall inform the insured of the amount due;\n\n(B) conviction of a crime arising out of acts increasing the hazard insured against;\n\n(C) discovery of fraud or material misrepresentation in obtaining the policy or in the presentation of a claim thereunder;\n\n(D) discovery of willful or reckless acts or omissions increasing the hazard insured against;\n\n(E) physical changes in the property insured occurring after issuance or last annual anniversary date of the policy which result in the property becoming uninsurable in accordance with the insurer's objective, uniformly applied underwriting standards in effect at the time the policy was issued or last voluntarily renewed; or\n\n(F) a determination by the superintendent that the continuation of the policy would violate or would place the insurer in violation of this chapter.\n\nN.Y. Ins. Law § 3425(c)(2); see also Exhibits 6, 9, 12 at 42-43; Exhibit 13 at 34; Exhibit 14 at 53.\n\n37. AIG concedes through its notices of cancellations that cancellation must be based\n\non the insured's acts or conduct:\n\nSee Exhibits 1-5 (emphasis added). AIG further concedes that it does not premise the cancellation\n\non any purported acts or conduct of Genever (US) or the Trustee in control of Genever (US). Instead, AIG concedes that its cancellation is not based on actual facts, but rather based solely on what AIG calls \"suspicious circumstances\" involving Kwok. See May 3, 2023 Letter John O'Connor to John Gibbons, attached hereto as Exhibit 16.\n\n38. AIG's speculations concerning Kwok fail to meet the requirements for cancellation for numerous legal reasons.\n\n39. Genever (US) has paid all premiums due for the Policies and satisfied all conditions of coverage prior to filing this adversary proceeding.\n\n40. AIG's proposed cancellation of the insurance policies would place Genever (US) in default of its contractual obligations to the Sherry-Netherland, and the ultimate legal consequence of such a default could be forfeiture of the ownership interest Genever (US) holds for the Apartment and the other Covered Residences.\n\n### **B. The Trustee's Indirect Control of Genever (US)**\n\n41. On October 12, 2020, Genever (US) filed a voluntary petition for relief under Chapter 11 of the United States Bankruptcy Code (the \"Bankruptcy Code\") before the United States Bankruptcy Court for the Southern District of New York (the \"SDNY Bankruptcy Court\").\n\n42. On February 15, 2022, Kwok filed a voluntary petition for relief under Chapter 11 of the Bankruptcy Code before this Court.\n\n43. On March 19, 2022, the United States Trustee filed a motion for an order directing appointment of an examiner or, in, the alternative, directing the appointment of a Chapter 11 trustee in Kwok's case.\n\n44. On June 15, 2022, the Bankruptcy Court entered a memorandum decision directing the United States Trustee to appoint a Chapter 11 trustee in Kwok's case (the \"Memorandum Decision\"). Following entry of the Memorandum Decision, the United States Trustee selected Luc.\n\nA. Despins as Trustee.\n\n45. On July 8, 2022, the Bankruptcy Court entered an order granting the appointment of\n\nLuc. A. Despins as the Trustee in Kwok's Chapter 11 Case.\n\n46. On August 10, 2022, the Bankruptcy Court entered an order (the \"Corporate\n\nGovernance Order\") providing, among other things:\n\n[T]he Trustee holds all of the [Kwok's] economic and governance rights, for the benefit of the Estate, with respect to all [Kwok]-Controlled Entities, including, without limitation, Genever (BVI). For the avoidance of doubt, the foregoing rights include the Trustee's asserted authority to replace any existing officer, director, manager, or similar person of the [Kwok]-Controlled Entities. As part of the foregoing, to the extent necessary, the Trustee is authorized to act, in his capacity as the chapter 11 trustee in this Chapter 11 Case, as any such officer, director, manager, or similar person who has been removed.[3](#page-12-0)\n\n47. Following entry of the Corporate Governance Order, the Trustee and Kwok took the\n\nnecessary steps for the Trustee to obtain corporate control over Genever (BVI), which is the sole member of Genever (US), including by transferring Kwok's 100% ownership interest in Genever (BVI) to the Trustee. At that time, Kwok ceased to have any control or economic interest in Genever (BVI), Genever (US), and the Apartment.\n\n48. On October 11, 2022, Genever (BVI) filed a voluntary petition for relief under chapter 11 of the Bankruptcy Code in this Court. At the time of the March 6, 2023 renewal of the insurance policies, Kwok had no economic interest in the Apartment or in the insured Genever (US) as a result of the bankruptcy cases. Prior to the renewal AIG, through its agent Wolfson, was informed of, and aware of, the bankruptcy cases, including the appointment of a Trustee. Moreover,\n\n3 Order, Pursuant to Bankruptcy Code Sections 363, 521, 541, 1108, and 1505, (A) Confirming that Chapter 11 Trustee Holds All of Debtor's Economic and Corporate Governance Rights in Debtor-Controlled Entities, (B) Authorizing Chapter 11 Trustee to Act in Any Foreign Country on Behalf of Estate, and (c) Granting Related Relief ¶ 2 [Docket No. 717].\n\nat the time of the Fire, Kwok continued to have no economic interest in the Apartment or in the Genever entities.\n\n49. On November 3, 2022, the SDNY Bankruptcy Court entered an order transferring the venue of Genever (US)'s Chapter 11 Case to this Court, and the Chapter 11 Cases of the Kwok, Genever (US), and Genever (BVI) are being jointly administered for procedural purposes only.\n\n50. In December 2022, counsel for Genever (US) and for the Trustee communicated with AIG's agent, Wolfson, concerning the Chapter 11 bankruptcy cases and the Trustee's control over, amongst other things, Genever (BVI) and Genever (US). See December 2022 Emails Patrick Linsey and Catherine Skibitcky, attached hereto as Exhibit 8.\n\n51. On March 6, 2023, AIG renewed the insurance policies for the new annual period of March 6, 2023 to March 6, 2024. See Exhibits 6, 9, 12-14.\n\n52. On March 15, 2023, the Fire damaged the Apartment and property therein.\n\n53. On March 16, 2023, the day after the Fire, AIG's agent, Wolfson, issued an updated Declarations Page for the AIG Insurance Policies noting the role of the Trustee with respect to the Insured Genever (US). See Exhibits 6, 9, 12, 14 at 5; Exhibit 13 at 3.\n\n54. Since the Fire, this Court has entered three emergency orders prohibiting access to the Apartment to anyone other than limited parties. (See, e.g., Docket No. 1687, attached hereto as Exhibit 10). At all times, the Sherry-Netherland has complied with such orders by controlling and limiting access to the Apartment.\n\n55. On April 17, 2023, AIG, through counsel, issued a letter to Trustee Luc Despins, which indicated that it was investigating the Fire. See April 17, 2023 Letter from Michael A. Bono to Luc Despins, attached hereto as Exhibit 17.\n\n56. On April 19, 2023, the Sherry-Netherland, through its counsel, advised Genever\n\n(US) through Trustee, Luc Despins, that \"it is imperative that emergency services be undertaken to mitigate damage to the building and other units at the Sherry Netherland caused by the March 15th Fire in the eighteenth floor apartment owned by Genever Holdings LLC[.]\" April 19, 2023 Letter from Sherry Millman to Luc Despins, attached hereto as Exhibit 11. The Sherry Netherland has asserted that \"[r]egardless of AIG's position[s], Genever [(US)], as shareholder, and [Mr. Despins], at the helm of Genever [(US)], are responsible for this clean up and the injury resulting from any failure to undertake the clean up promptly.\" Id.\n\n57. As such, AIG's actions in failing to timely provide the insurance coverage owed to Genever (US) with respect to the emergency response costs in the preliminary proof of loss threaten to cause irreparable harm to Genever (US) by creating new liabilities for it to the Sherry Netherland and potentially other residents of the Sherry Netherland.\n\n### **C. Genever (US)'s Covered Losses at the Sherry-Netherland**\n\n58. On March 6, 2023, AIG renewed the insurance policies of the new annual period of March 6, 2023 to March 6, 2024. See Exhibits 6, 9, 13-14.\n\n59. On March 15, 2023, Kwok was arrested by federal law enforcement in the Apartment owned by Genever (US).\n\n60. Later that same day, the Fire broke out in the Apartment and damaged the Apartment and property therein.\n\n61. The Fire caused substantial property damage requiring repair and/or replacement to property covered by one or more of Genever (US)'s Homeowners Policies and the Private Collections Policy.\n\n62. The extent of the damage—and the costs to repair and replace it—is still being investigated but is certainly into the millions of dollars.\n\n63. Upon information and belief, at least one potential third-party claimant, the insurance company insuring the Sherry-Netherland at the time of the Fire, has informed AIG that it may seek to hold Genever (US) responsible for any and all damage to the Sherry-Netherland stemming from the Fire.\n\n64. On March 16, 2023, the day after the Fire, AIG's agent, Wolfson, issued an updated Declarations Page for the insurance policies noting the role of the Trustee with respect to the Insured Genever (US). See Exhibits 6, 9, 12, 14 at 5; Exhibit 13 at 3.\n\n65. Since the Fire, this Court has entered three emergency orders prohibiting access to the Apartment to anyone other than limited parties. See, e.g., Exhibit 10. At all times, the Sherry-Netherland has complied with such orders by controlling and limiting access to the Apartment.\n\n66. On April 17, 2023, AIG, through counsel, issued a letter to Trustee Luc Despins, which indicated that it was investigating the Fire. See Exhibit 17.\n\n67. On April 19, 2023, the Sherry-Netherland, through its counsel, advised Genever (US) through Trustee, Luc Despins, that \"it is imperative that emergency services be undertaken to mitigate damage to the building and other units at the Sherry Netherland caused by the March 15th Fire in the eighteenth floor apartment owned by Genever Holdings LLC[.]\" Exhibit 11. The Sherry Netherland has asserted that \"[r]egardless of AIG's position[s], Genever [(US)], as shareholder, and [Mr. Despins], at the helm of Genever [(US)], are responsible for this clean up and the injury resulting from any failure to undertake the clean up promptly.\" Id.\n\n68. As such, AIG's actions in failing to timely provide the insurance coverage owed to Genever (US) with respect to the emergency response costs in the preliminary proof of loss threaten to cause irreparable harm to Genever (US) by creating new liabilities for it to the Sherry Netherland and potentially other residents of the Sherry Netherland.\n\n### **D. AIG's Rejection of Coverage and Attempt to Cancel the Policies**\n\n69. Genever (US) provided prompt notice of the fire loss to AIG through the insurer's agent, Wolfson, in satisfaction of the Policies. See Exhibit 21.\n\n70. On April 17, 2023, AIG's legal counsel issued a letter to Genever (US) on behalf of AIG, stating that as \"previously advised, AIG is currently conducting an investigation into the fire at 781 Fifth Avenue, New York, NY under a strict reservation of rights.\" Exhibit 17.\n\n71. AIG also reserved its rights concerning a number of policy exclusions related to losses caused by foreseeable or intentional acts. See id.\n\n72. To assist in preparing its insurance claim, Genever (US) retained a public adjuster who submitted a preliminary proof of loss to AIG on April 21, 2023 for covered initial cleanup costs as a result of the Fire. That preliminary proof of loss detailed covered costs of \\$391,047.97. See April 21, 2023 Partial Sworn Statement in Proof of Loss, attached hereto as Exhibit 19.\n\n73. This post-Fire emergency clean-up was critical to limiting the damage to Genever (US), the Sherry-Netherland, and other residents, and the Sherry-Netherland has asserted that any failure to take necessary and critical emergency cleanup service may result in the imposition of liabilities upon Genever (US). See Exhibit 11.\n\n74. The post-Fire emergency cleanup is also critical to selling the Apartment as soon as possible.\n\n75. On April 25, 2023, AIG issued five \"Notices of Cancellation,\" one for each of the Policies, purporting to notify Genever (US) that AIG was cancelling the Policies effective May 31, 2023. See Exhibits 1-5.\n\n76. Each of the Notices of Cancellation list, in conclusory fashion, two of the Policies' Cancellation Conditions, stating: \"The reason for cancellation is discovery of willful or reckless acts by the insured increasing the hazard insured against. Additionally, physical changes in the property insured, after issuance of the renewal, which resulted in the property becoming uninsurable in accordance with [AIG's] underwriting standards.\" Id.\n\n77. None of the Notices of Cancellation contained any further explanation or factual support for the purported cancellation of the Policies. AIG's notices of cancellations simply direct further questions to AIG's agent at Wolfson:\n\nId. For the avoidance of doubt the use of the term \"Company\" in the sentence quoted above refers to AIG.\n\n78. On April 26, 2023, the day after issuing the Notices of Cancellation, AIG responded to Genever (US)'s submission of its preliminary proof of loss, stating that \"AIG has not requested this proof of loss and has not made a determination on coverage under the Policy. *As such, AIG hereby rejects the Proof of Loss and will not be issuing payment*.\" Exhibit 7 at 3 (emphasis added).\n\nAIG also represented that \"AIG's investigation into the Claim is ongoing.\" Id. at 2.\n\n79. At the time, AIG had already been advised of the critical nature of the emergency cleanup services and remediation work to be performed and the potential for liabilities being imposed on Genever (US) for any failure to undertake the emergency services and remediation work. See April 14, 2023 Email Luc Despins to Cara Digiovanna and Michael Bono, attached hereto as Exhibit 22.\n\n80. Under New York law, the insurer has the burden of establishing the validity of its cancellation of a personal lines insurance policy, including a homeowner's policy. See Unitrin Direct Ins. Co. v. Barrow, 128 N.Y.S.3d 638, 639-40 (N.Y. App. Div. 2020).\n\n81. On April 30, 2023, counsel for Genever (US) issued a letter contesting AIG's purported cancellation of the AIG Insurance Policies, noting that AIG had not met its burden to establish valid grounds to cancel the AIG Insurance Policies, and that the two reasons provided by AIG were factually inaccurate. See April 30, 2023 Letter John Gibbons to Michael Bono, attached hereto as Exhibit 18.\n\n82. On May 3, 2023, AIG responded, defending its decision to attempt to cancel the Policies by arguing that the \"discovery of willful or reckless acts by the insured increasing the hazard insured against\" Cancellation Condition was supported by the \"suspicious nature\" of the arrest and Fire, and that even though the AIG Insurance Policies insure Genever (US), the conduct of Kwok is \"imputed to Genever and the Trustee of his bankruptcy estate for purposes of rights and obligations under the Policies.\" Exhibit 16 at 2.\n\n83. In the same letter, AIG argues that the \"physical changes in the property insured, after issuance of the renewal, which resulted in the property becoming uninsurable in accordance with [AIG's] underwriting standards\" Cancellation Condition was supported by the \"substantial damage\" caused by the Fire \"under highly suspicious circumstances.\" Id.\n\n84. AIG's counsel's letter fails to adhere to the limited basis(es) for cancellation, as provided under the AIG Insurance Policies' conditions and as outlined pursuant to New York Insurance Law § 3425. E.g., Exhibit 6 at 42-43.\n\n85. AIG concedes in the notices of cancellation that cancellation can only be premised on acts or conduct of the insured, Genever (US), which is under the control of the Trustee:\n\nE.g., Ex. 1.\n\n86. Neither of AIG's explanations is sufficient to establish any Cancellation Condition as identified in any of the AIG Insurance Policies or as permitted pursuant to New York Insurance Law § 3425.\n\n87. Under the Cancellation Condition concerning \"discovery of willful or reckless acts by the insured,\" AIG never identified any potential willful or reckless acts by anyone, let alone the insured; nor did AIG establish that it had actually discovered such acts. Instead, AIG relied solely on the \"suspicious nature\" of the Fire. AIG also cited no precedent or policy provision supporting the imputation of the conduct and scienter of Kwok, a non-insured, to Genever (US), the insured. See Exhibit 16.\n\n88. In addressing the Cancelation Condition concerning \"physical changes in the property . . . which resulted in the property becoming uninsurable in accordance with [AIG's] underwriting standards\", AIG again relied on supposed \"highly suspicious circumstances,\" but the only \"physical change\" AIG identified was the damage suffered as a result of the Fire. See id.\n\n89. AIG's overreliance on its \"suspicion\" of undefined wrongdoing illustrates that AIG cannot meet its burden to establish any actual facts to satisfy its stated Cancellation Conditions.\n\n90. Fires are precisely the kind of events that are covered by property insurance and, upon information and belief, do not render property \"uninsurable\" under AIG's underwriting standards.\n\n91. Moreover, AIG never attempted to explain why the supposed \"willful or reckless acts\" or \"physical changes\" in relation to the Apartment required cancellation of the insurance policies providing coverage to Genever (US)'s *other* Covered Residences and the property therein.\n\n92. AIG's attempt to cancel the AIG Insurance Policies thus violates the terms and\n\nconditions of those policies related to cancellation..\n\n93. AIG's attempt to cancel the AIG Insurance Policies also violates New York Insurance Law § 3425(c), which limits cancellation to the strict bases that the AIG Insurance Policies identify and which the insurer must prove with actual acts or conduct by the insured, Genever (US).\n\n### **FIRST CLAIM FOR RELIEF**\n\n### **(BREACH OF CONTRACT– CANCELLATION)**\n\n94. Plaintiffs repeat and reallege the allegations set forth in the forgoing paragraphs as if repeated in full.\n\n95. Genever (US) has fully complied with all terms and conditions of the AIG Insurance Policies and paid all required premiums.\n\n96. AIG has breached its duties and obligations under the AIG Insurance Policies by purporting to cancel them without adequate justification under both the express terms of the AIG Insurance Policies and New York Insurance Law § 3425(c).\n\n97. None of the AIG Insurance Policies' listed factual justifications for cancellation have occurred.\n\n98. AIG's purported cancellation of the AIG Insurance Policies without the required factual or evidentiary support constitutes a material breach of the AIG Insurance Policies.\n\n99. AIG's breach of the AIG Insurance Policies has proximately caused Genever (US) damages for which, in part, an adequate legal remedy does not exist.\n\n100. Without immediate remedial action or equitable relief Genever (US) will suffer irreparable harm.\n\n101. Maintaining insurance on the Covered Residences is a requirement for continued\n\nownership of those properties in accordance with the Proprietary Lease.\n\n102. Genever (US) has been harmed and disparaged by AIG's wrongful attempt to cancel the AIG Insurance Policies insofar as other insurers are not reasonably likely to insure the Covered Residences after the AIG Insurance Policies have been cancelled mid-policy period.\n\n103. If AIG is permitted to improperly cancel the AIG Insurance Policies based on the unfounded assertions in AIG's Notices of Cancellation, Genever (US) will continue to be harmed and disparaged because other insurers are not reasonably likely to insure the Covered Residences after the AIG Insurance Policies have been cancelled mid-policy period.\n\n104. As a result, Genever (US) will be in default of the Proprietary Lease for failure to maintain insurance, and, pursuant to the terms of the Proprietary Lease, within thirty (30) days of failing to cure the default, the Proprietary Lease may be terminated and Genever (US)'s shares in the Covered Residences forfeited.\n\n105. Maintaining the AIG Insurance Policies imposes little-to-no burden on AIG because insurance premiums have already been paid, and maintenance of the AIG Insurance Policies does not impact AIG's coverage obligations for the Fire that pre-dates the proposed May 31, 2023 cancellation date.\n\n106. Conversely, cancellation of the AIG Insurance Policies imposes the substantial and significant risk of the Proprietary Lease being terminated and Genever (US) losing ownership interest in the Covered Properties.\n\n107. AIG's improper attempt to cancel the AIG Insurance Policies is a fundamental divergence from the legal requirements imposed upon AIG per the terms of the AIG Insurance Policies and New York Insurance Law § 3425(c).\n\n108. Therefore, AIG's improper attempt to cancel the AIG Insurance Policies has caused\n\nGenever (US) to suffer damages and poses an existential threat to Genever (US)'s ownership interest in the Covered Residences.\n\n109. Genever (US), accordingly, seeks:\n\n- a) Monetary damages in a final amount to be proven at trial; and\n- b) Any and all equitable relief deemed just and proper including, but not limited to, an order by the Court enjoining AIG from cancelling the AIG Insurance Policies.\n\n### **SECOND CLAIM FOR RELIEF**\n\n### **(BREACH OF CONTRACT – INSURANCE COVERAGE)**\n\n110. Plaintiffs repeat and reallege the allegations set forth in the forgoing paragraphs as if repeated in full.\n\n111. Genever (US) has fully complied with all terms and conditions of the AIG Insurance Policies and paid all required premiums.\n\n112. Genever (US) suffered covered losses to its insured real and personal property as a result of the Fire.\n\n113. Genever (US) submitted a preliminary proof of loss detailing initial costs of remediating some of the damage caused by the Fire.\n\n114. Such covered losses fall within the protections provided by the AIG Insurance Policies.\n\n115. The insurer for the Sherry-Netherland, FM Global, engaged an expert consultant who has already finalized his investigation \"and ruled the [cause of the] fire undetermined.\" See April 27, 2023 Email Michael Dudas to Cara Digiovanna and Luc Despins, attached hereto as Exhibit 20.\n\n116. Upon information and belief, all other insurers of Sherry-Netherland's residences other than AIG have already concluded that the cause of the Fire cannot be determined.\n\n117. AIG nonetheless rejected Genever (US)'s preliminary proof of loss and refused to pay any of Genever (US)'s claimed losses.\n\n118. AIG has breached its duties and obligations under the AIG Insurance Policies by rejecting Genever (US)'s preliminary proof of loss and refusing to pay any of Genever (US)'s claimed losses resulting from the Fire.\n\n119. AIG's failure to pay these losses promptly, including the emergency cleanup costs, has exposed Genever (US) to irreparable harm, including: (1) Genever (US) will be subject to potential additional liabilities to the Sherry-Netherland and other residents; (2) the failure to conduct the required emergency measures may itself be deemed a default of the Proprietary Lease subjecting Genever (US) to potential forfeiture of the Apartment; and (3) under any circumstance without the emergency repairs and cleanup Genever (US) will be unable to sell the Apartment, which is critical for Genever (US) as debtor-in-possession.\n\n120. AIG's inequitable action of not paying for these losses promptly is violative of the terms of the AIG Insurance Policies, for which Genever (US) paid substantial premiums in consideration for the coverages the AIG Insurance Policies provide.\n\n121. Moreover, AIG's failure to pay for these losses promptly is a fundamental divergence from the legal requirements imposed upon AIG per the terms of the AIG Insurance Policies and New York Insurance Law §3425(c).\n\n122. AIG's assertion that its investigation is continuing is neither credible nor does it justify its rejection of Genever (US)'s preliminary proof of loss.\n\n123. AIG has also raised policy exclusions related to losses caused by foreseeable or intentional acts, and, although it has not explicitly stated that those exclusions apply, AIG's stated (and erroneous) bases for cancellation of the AIG Insurance Policies would, if true and valid as AIG contends, implicate these exclusions.\n\n124. No exclusions in the AIG Insurance Policies apply to Genever (US)'s losses resulting from the Fire.\n\n125. AIG's breach of the AIG Insurance Policies has proximately caused Genever (US) monetary damages in a final amount to be proven at trial.\n\n### **THIRD CLAIM FOR RELIEF**\n\n### **(DECLARATORY JUDGMENT --CANCELLATION)**\n\n126. Plaintiffs repeat and reallege the allegations set forth in the forgoing paragraphs as if repeated in full.\n\n127. This is an action for declaratory relief brought pursuant to Bankruptcy Rule 7001(1), section 363 of the Bankruptcy Code, and 28 U.S.C. § 2201.\n\n128. Genever (US) has fully complied with all terms and conditions of the AIG Insurance Policies and paid all required premiums.\n\n129. A justiciable controversy exists between Genever (US) and AIG as to their respective rights, obligations, and AIG's improper notices of cancellations of the AIG Insurance Policies that Genever (US) purchased.\n\n130. The AIG Insurance Policies and New York Insurance Law § 3425 only permit to AIG narrow and specific bases upon which AIG may cancel the policies that have been issued.\n\n131. AIG has issued notices of cancellation that do not establish any legitimate basis for cancellation of the AIG Insurance Policies in accordance with the policies' own terms and New\n\nYork law.\n\n132. In correspondence, AIG has not provided any actual factual support for cancellation of the AIG Insurance Policies. AIG's counsel, in correspondence, concedes that the cancellation is not based on facts but rather on \"suspicions,\" which are no better than speculation and insinuation and, in any event, do not satisfy AIG's burden of proof for cancellation.\n\n133. AIG further concedes that its \"suspicions\" do not relate to any actual conduct or acts of Genever (US), the named Insured under the AIG Insurance Policies, nor of the Trustee, who controls Genever (US).\n\n134. AIG cannot cancel the AIG Insurance Policies by pointing to facts or conduct of any entity other than Genever (US) or at any individual other than the Trustee, who controls Genever (US).\n\n135. AIG's notices of cancellation are factually and legally deficient, and Genever (US) is substantially likely to succeed on the merits of its claim to declare that AIG's attempted cancellation is invalid.\n\n136. Genever (US), accordingly, seeks a declaration that:\n\n- a) The AIG Insurance Policies remain in force for the policy period of March 6, 2023 to March 6, 2024.\n- b) AIG cannot, pursuant to the terms of the AIG Insurance Policies and New York Law, cancel the AIG Insurance Policies based on its \"suspicions.\"\n- c) AIG's notices of cancellation are factually and legally deficient, pursuant to both the terms of the AIG Insurance Policies and New York Insurance Law § 3425.\n\n### **FOURTH CLAIM FOR RELIEF**\n\n### **(DECLARATORY JUDGMENT – COVERAGE )**\n\n137. Plaintiffs repeat and reallege the allegations set forth in the forgoing paragraphs as if repeated in full.\n\n138. This is an action for declaratory relief brought pursuant to Bankruptcy Rule 7001(1), sections 105(a) and 363 of the Bankruptcy Code, and 28 U.S.C. § 2201.\n\n139. Genever (US) has fully complied with all terms and conditions of the AIG Insurance Policies and paid all required premiums.\n\n140. A justiciable controversy exists between Genever (US) and AIG as to their respective rights, obligations, and the scope of coverage owed by AIG for the losses suffered by Genever (US) under the AIG Insurance Policies.\n\n141. Genever (US) seeks a judicial determination to resolve a present justiciable controversy among the parties regarding the scope of coverage available to Genever (US) for the Fire under the AIG Insurance Policies.\n\n142. Genever (US) is entitled to a judicial declaration that AIG has a duty to pay Genever (US)'s losses in relation to the Fire, including payment of Genever (US)'s first-party property losses and costs of defending and indemnifying Genever (US) in the event of third-party claims asserted against Genever (US).\n\n### **PRAYER FOR RELIEF**\n\nWHEREFORE, Plaintiffs request that this Court enter judgment in its favor and granting the following relief:\n\ni. Enjoin AIG from cancelling the AIG Insurance Policies sold to Genever (US);\n\n- ii. A declaration that AIG must provide coverage under the AIG Insurance Policies for first- and third-party losses resulting from the Fire;\n- iii. A declaration that AIG may not cancel the AIG Insurance Policies for the March 6, 2023 to March 6, 2024 policy term and that AIG's notices of cancellation are legally insufficient pursuant to the terms of the AIG Insurance Policies and New York Insurance Law § 3425;\n- iv. Awarding Genever (US) compensatory damages for breach of contract in an amount to be determined at trial but in any event exceeding the jurisdictional amount;\n- v. Awarding Genever (US) immediate insurance proceeds for the emergency cleanup measures necessary to protect its interests, render the Apartment saleable, and limit Genever (US)'s third-party claims arising out of the Fire, including assertions of liability by the Sherry-Netherlands and other potential claimants;\n- vi. Awarding Genever (US) punitive damages and/or sanctions as appropriate under the circumstances, as well as its attorneys' fees and costs of this suit;\n- vii. Awarding Genever (US) pre-judgment and post-judgment interest; and\n- viii. Awarding Genever (US) such other and further relief as this Court may deem just, proper, or equitable under the circumstances.\n\n[*Remainder of page intentionally left blank.*]\n\nTrumbull, Connecticut\n\n## Dated: May 12, 2023 GENEVER HOLDINGS LLC\n\nBy: */s/ David G. Jordon*\n\nDavid G. Jordan Tracy A. Saxe Brian J. Clifford Saxe Doernberger & Vita 35 Nutmeg Drive, Suite 140 Trumbull, CT 06611 (203) 287-2100 [djordan@sdvlaw.com](mailto:djordan@sdvlaw.com) [tsaxe@sdvlaw.com](mailto:tsaxe@sdvlaw.com) [bclifford@sdvlaw.com](mailto:bclifford@sdvlaw.com)\n\n*Proposed Special Insurance Coverage Counsel for Debtor-In-Possession Genever Holdings LLC*","body_zh":"AIG PROPERTY CASUALTY COMPANY（AIG财产意外保险公司）\nGENEVER HOLDINGS LLC（Genever控股有限责任公司）\n\nSaxe Doernberger & Vita, PC（萨克斯、多恩伯格与维塔律师事务所）\nJohn F. O'Connor（约翰·F·奥康纳）\nSteptoe（斯泰普托律师事务所）\n35 Nutmeg Drive, Trumbull, CT 06611，\n\n1330 Connecticut Ave, NW, Washington, DC, 202-429-3000\n203-287-2100\n\n本项请求为涉及AIG财产保险及责任保险保障的保险保障诉讼。AIG 1）拒绝就火灾损失提供财产保险保障；2）拒绝就被保险人因第三方财产损失可能面临的诉讼提供第三方责任保险保障；以及3）不当试图取消被保险人的全部保单。请求人依据28 U.SC. 2201提起违约及宣告性判决之诉。请求人还寻求禁令救济，禁止AIG取消其保单。\n\nUNITED STATES BANKRUPTCY COURT（美国联邦破产法院）\n\nDISTRICT OF CONNECTICUT（康涅狄格联邦地区）\nBRIDGEPORT DIVISION（布里奇波特分部）\n\n------------------------------------------------------ x\n\n关于： ：\n： 第11章\nHO WAN KWOK（郭文贵）等人，1 ：\n： 案号：22-50073 (JAM)\n债务人。 ：\n：\n： （合并管理）\n------------------------------------------------------ x\n\nGENEVER HOLDINGS LLC（Genever控股有限责任公司）， ：\n\n原告， ：\n： 对抗程序案号：[ ]\n诉 ：\n\nAIG PROPERTY CASUALTY COMPANY（AIG财产意外保险公司）， ：\n\n被告。 ：\n：\n： May 12，\n\nx\n\nGENEVER HOLDINGS LLC依据《破产法》第105条和第363条及《破产规则》第7001条，就多份保险保单项下的违约及宣告性判决，对AIG PROPERTY CASUALTY COMPANY提起的起诉状\n\nGenever Holdings LLC（以下简称“Genever (US)”）为上述合并管理案件中的债务人（统称“第11章案件”），现由其下列署名律师代理，对被告AIG Property Casualty Company（以下简称“AIG”）提起本对抗程序起诉状。\n\n1 本第11章案件中的债务人为Ho Wan Kwok（亦称Guo Wengui、Miles Guo和Miles Kwok，以及众多其他别名）（税务识别号码后四位：9595）、Genever Holdings LLC（税务识别号码后四位：8202）以及Genever Holdings Corporation（Genever控股公司）。受托人、Genever Holdings LLC及Genever Holdings Corporation的邮寄地址为：Paul Hastings LLP（保罗·黑斯廷斯律师事务所），200 Park Avenue, New York, NY 10166，c/o Luc A. Despins（吕克·A·德斯平），作为Ho Wan Kwok遗产的受托人（仅限于通知和通信之目的）。\n\n诉讼性质[2]\n\n1. Genever (US)拥有位于781 Fifth Avenue, New York, New York 10022的Sherry-Netherland building（Sherry-Netherland大楼）内整层第18层的公寓空间（以下简称“该公寓”），以及Apartment MR 2219和Apartment MR 719（与该公寓合称“受保住宅”）。\n\n2. 因此，受保住宅属于Genever (US)破产财产的一部分。\n\n3. Genever (US)向AIG购买了超过$28 million的财产保险保障，以保护受保住宅及其中的贵重财产。Genever (US)购买的保险要求AIG就Genever (US)可能遭受的“全险”财产损失进行赔付，但明确排除的损失除外。此外，Genever (US)向AIG购买的保险还就因其拥有受保住宅而产生的索赔提供责任保险保障。AIG向Genever (US)出售的财产及责任保险保单以下称为“AIG保险保单”。见附件6、9、12-14。\n\n4. On March 15, 2023，Genever (US)的该公寓发生火灾（以下简称“该火灾”），从而遭受损失。由于该火灾，Genever (US)的公寓及其中财产遭受了实体损坏。\n\n5. Genever (US)的损失仍在计算中，但已知损失金额达数百万美元。\n\n6. Genever (US)的“全险”财产保险就未被具体排除的任何损害提供最广泛的保险保障，且该保险旨在并且确实保障Genever (US)所遭受的此类损失。一般参见同上。\n\n2 未在“诉讼性质”部分界定的大写术语，具有本对抗程序起诉状其他部分赋予其的含义。\n\n7. Genever (US)通过AIG在Wolfson Insurance Brokerage, Inc（Wolfson保险经纪公司，以下简称“Wolfson”）的代理人，及时向AIG通知了该火灾。见随附作为附件21的March 16, 2023 Email Patrick Linsey to Catherine Skibitcky。\n\n8. On April 17, 2023，AIG表示其正在对该火灾进行调查。见随附作为附件17的April 17, 2023 Letter Michael Bono to Luc Despins。\n\n9. 然而，八（8）天后，在没有任何迹象表明AIG已完成调查的情况下，AIG发出了“保险取消通知”，意图取消AIG保险保单。见随附作为附件1-5的保险取消通知。\n\n10. AIG列举的取消理由为：“发现被保险人故意或鲁莽实施增加所承保风险的行为”，以及“续保签发后，受保财产发生实体变化，致使该财产依照本公司核保标准变得不可承保。”同上。\n\n11. AIG未对这些所谓的取消理由作出解释或提供任何事实依据。见同上。\n\n12. AIG保险保单包括一份房主修订批单，该批单依照纽约州保险法规，为AIG提供有限的取消理由：例如，附件6第42页（着重号系后加）。\n\n13. 事实上，在发出保险取消通知的次日，AIG重申“AIG对该索赔的调查仍在进行中。”见随附作为附件7的April 26, 2023 Letter Michael Bono to John Panico。\n\n14. AIG的保险取消通知意图于May 31, 2023生效。见附件1-5。\n\n15. AIG为试图取消AIG保险保单所述的理由既过于模糊，亦毫无依据。\n\n16. AIG不当试图取消AIG保险保单，构成违反保单条款及适用保险法规，并可能导致Genever (US)丧失其财产的所有权。因此，应以禁令禁止AIG取消保单及不当规避其持续承担保险保障义务。\n\n17. 此外，Genever (US)所遭受的损失受“全险”保险保障，且AIG实质性拒绝为这些损失提供保险保障，严重损害Genever (US)，构成违约。\n\n管辖权及审判地\n\n18. United States Bankruptcy Court for the District of Connecticut（康涅狄格联邦地区美国破产法院，以下简称“破产法院”或“本院”）依据28 U.S.C. §§ 157、1334、《破产法》第105条和第363条以及《破产规则》第7001条，对本对抗程序享有管辖权。\n\n19. 本院依据28 U.S.C. §§ 1408和1409具有适当审判地。\n\n20. 本对抗程序依据《破产规则》7001(1)和7001(7)提起，并寻求《破产法》第105(a)条和第363条项下的救济。\n\n21. AIG保险保单属于Genever (US)破产财产。AIG主张该等保单属于破产申请提交后的合同，因此，本对抗程序属于应由本院依据28 U.S.C. § 157(b)(2)裁判的“核心”程序，因为其同时涉及Genever (US)破产财产以及Genever (US)破产财产在AIG保险保单项下享有的请求权。\n\n当事人\n\n22. Genever (US)是一家纽约州有限责任公司。Genever (US)拥有受保住宅。如下文详述，Ho Wan Kwok遗产的受托人通过该遗产持有Genever Holdings Corporation（以下简称“Genever (BVI)”）的全部股份而间接控制Genever (US)，而Genever (BVI)又全资拥有Genever (US)。\n\n23. 据悉并相信，AIG（美国国际集团）是一家根据伊利诺伊州法律组建并存续的公司，其主要办事处位于纽约州纽约市。据悉并相信，AIG获准在康涅狄格州和纽约州开展业务，且已经并持续在该等州开展业务。\n\n事实主张\n\nA. Genever (US)（Genever（美国））的财产及全险保险保障\n\n24. 2015年3月6日，Genever (US)与Sherry-Netherland（谢里-内德兰）签订了一份专有租赁协议（以下简称“专有租赁协议”）；Sherry-Netherland是一家合作住房公司，Genever (US)通过该公司拥有若干股份，该等股份被分配给Genever (US)所租赁的不同公寓。见作为附件15附于本文件的专有租赁协议。\n\n25. 根据专有租赁协议，为受保住宅维持保险是Genever (US)持续拥有该等财产的要求。\n\n26. 根据专有租赁协议，Genever (US)须将为受保住宅维持财产保险和责任保险作为所有权的一项条件。见附件15第§ 3.30条。如Genever (US)未能就受保住宅维持持续保险保障，其将构成违反专有租赁协议。参见同上。（“承租人未能在本租赁期限内取得并维持上述(a)和(b)项所要求的保险，即构成违反本租赁协议。”）\n\n27. 如发生违约且无法在三十（30）日内补救该违约（同上，第§ 4.1(e)条），Genever (US)的专有租赁协议规定，该租赁协议可被终止（同上，第§ 4.1条），且其可分配至其违约所涉公寓的股份可被没收。见同上，第§ 4.4条。\n\n28. 根据专有租赁协议的条款，Genever (US)购买了AIG保险单，其中包括“全险”住宅保险，该保险涵盖与位于纽约州纽约市第五大道781号、邮编10022的Sherry-Netherland内由Genever (US)拥有的住宅空间（及贵重个人财产）相关的第一方财产风险和第三方责任风险。\n\n29. 具体而言，AIG向Genever (US)出售了以下AIG保险单：\n\na) 房主保险单编号PCG 0061821440，有效期为March 6, 2023至March 6, 2024，承保“781 Fifth Avenue, 18th Floor, New York, NY 10022”，作为附件9附于本文件；\n\nb) 房主保险单编号PCG 0061821443，有效期为March 6, 2023至March 6, 2024，承保“781 Fifth Avenue Apt # 2219, New York, NY 10022”，作为附件12附于本文件；\n\nc) 房主保险单编号PCG 0061821444，有效期为March 6, 2023至March 6, 2024，承保“781 Fifth Avenue Apt # 719, New York, NY 10022”，作为附件6附于本文件；\n\nd) 私人收藏保险单编号PCG 0013893743，有效期为March 6, 2023至March 6, 2024，承保“世界任何地方的贵重物品”，作为附件13附于本文件（以下简称“私人收藏保险单”）；\n\ne) 超额责任保险单编号PCG 0017034504，有效期为March 6, 2023至March 6, 2024，在实质上与上述房主保险单相同的条款和条件下提供超额责任保险保障，作为附件14附于本文件（以下简称“超额责任保险单”）。\n\n30. 每份AIG保险单均将Genever (US)列为具名“被保险人”。AIG保险单中均不包含“控制权变更”条款，允许AIG基于被保险人的所有权或控制权变更而拒绝、限制或终止保险保障。\n\n31. 编号为PCG 0061821440、PCG 0061821443、PCG 0061821444的保险单（统称“房主保险单”）各自承保受保住宅中的不同单元。见附件6、9和12。\n\n32. 房主保险单均以“全险”为基础为Genever (US)的财产提供保险保障，这意味着Genever (US)就其受保财产遭受的、未被房主保险单另行排除的损失原因获得保障：\n\n例如，见附件6第二部分A。\n\n33. 私人收藏保险单亦以“全险”为基础为Genever (US)的财产提供保险保障，这意味着Genever (US)就其贵重物品遭受的、未被私人收藏保险单另行排除的损失原因获得保障：\n\n见附件13第二节A。\n\n34. 房主保险单还提供第三方责任保险保障，要求AIG就任何寻求获得受保人身伤害或财产损失赔偿的诉讼为Genever (US)进行抗辩，并支付Genever (US)因由“事故”造成的人身伤害或财产损失而依法负有支付义务的损害赔偿。见例如附件6第三部分A。（“对于被本保险单承保的事故所造成的人身伤害或财产损失，我们将支付被保险人依法负有支付义务的损害赔偿……。”）（原文强调）。\n\n35. 超额责任保险单在超过房主保险单所提供的第三方责任保险保障的范围内，并根据功能上相同的条款，提供第三方责任保险保障。见附件14第二部分A。超额责任保险单还在特定情形下提供“第一美元”第三方责任保险保障。见同上。\n\n36. 每份AIG保险单仅允许AIG在某些严格条件下取消该保险单，该等条件与New York Insurance Law（纽约保险法）§ 3425(c)(2)的要求相一致：\n\n(c) 受保保险单生效六十日后，或者如该保险单为续保，则自其生效日起，除非根据经保险监管官批准的计划所要求，且该计划因目前保费规模的持续存在将危及保险人保单持有人、其债权人或公众的利益而属必要，或者除非基于以下一项或多项事由，否则不得发出将生效的取消通知：\n\n……\n\n(2) 关于个人保险业务保险单：\n\n……\n\n(A) 未支付保费；但基于此理由的取消通知应告知被保险人应付金额；\n\n(B) 因导致所承保危险增加的行为而被判犯有罪行；\n\n(C) 发现被保险人在取得保险单时或在根据该保险单提出索赔时存在欺诈或重大虚假陈述；\n\n(D) 发现增加所承保危险的故意或鲁莽作为或不作为；\n\n(E) 保险单签发后或保险单上次年度周年日后，受保财产发生实体变化，致使该财产依据保险单签发时或上次自愿续保时有效的、保险人客观且统一适用的承保标准而变得不可承保；或\n\n(F) 保险监管官认定继续维持该保险单将违反或将使保险人违反本章。\n\nN.Y. Ins. Law § 3425(c)(2)；另见附件6、9、12第42-43页；附件13第34页；附件14第53页。\n\n37. AIG在其取消通知中承认，取消必须基于被保险人的作为或行为：\n\n见附件1-5（着重强调部分已添加）。AIG进一步承认，其并非基于Genever (US)或控制Genever (US)的受托人的任何所谓作为或行为而取消保险。相反，AIG承认，其取消保险并非基于实际事实，而是完全基于AIG所称涉及Kwok（郭文贵）的“可疑情形”。见作为附件16附于本文件的May 3, 2023 Letter John O'Connor（约翰·奥康纳） to John Gibbons（约翰·吉本斯）。\n\n38. AIG关于Kwok的推测因多项法律理由而不符合取消保险的要求。\n\n39. Genever (US)已支付保险单项下到期的所有保费，并在提起本对立程序前满足了所有保险保障条件。\n\n40. AIG拟取消保险单将使Genever (US)违反其对Sherry-Netherland所负的合同义务，而该等违约的最终法律后果可能是没收Genever (US)就该公寓及其他受保住宅所持有的所有权权益。\n\nB. 受托人对Genever (US)的间接控制\n\n41. 2020年10月12日，Genever (US)在United States Bankruptcy Court for the Southern District of New York（美国纽约南区破产法院，以下简称“SDNY Bankruptcy Court”）根据United States Bankruptcy Code（美国破产法，以下简称“破产法”）第11章提交了自愿救济申请。\n\n42. 2022年2月15日，Kwok在本院根据破产法第11章提交了自愿救济申请。\n\n43. 2022年3月19日，United States Trustee（美国受托人）提出动议，请求作出命令，指示在Kwok案件中任命审查员，或作为替代方案，指示任命一名第11章受托人。\n\n44. 2022年6月15日，破产法院作出备忘录裁定，指示美国受托人在Kwok案件中任命一名第11章受托人（以下简称“备忘录裁定”）。备忘录裁定作出后，美国受托人选定Luc. A. Despins（吕克·A·德斯平斯）担任受托人。\n\n45. 2022年7月8日，破产法院作出命令，批准任命Luc. A. Despins担任Kwok第11章案件的受托人。\n\n46. 2022年8月10日，破产法院作出命令（以下简称“公司治理命令”），其中规定：\n\n受托人就所有[Kwok]控制实体，包括但不限于Genever (BVI)（Genever（英属维尔京群岛）），为破产财团的利益持有[Kwok]的全部经济权利和公司治理权利。为免生疑义，前述权利包括受托人所主张的替换[Kwok]控制实体任何现任高级职员、董事、经理或类似人员的权限。作为前述事项的一部分，在必要范围内，受托人获授权以其在本第11章案件中担任第11章受托人的身份，担任任何已被免职的该等高级职员、董事、经理或类似人员。[3]\n\n47. 公司治理命令作出后，受托人与Kwok采取了使受托人取得Genever (BVI)公司控制权所必需的步骤；Genever (BVI)是Genever (US)的唯一成员，其中包括将Kwok在Genever (BVI)中的100%所有权权益转让给受托人。当时，Kwok不再对Genever (BVI)、Genever (US)及该公寓享有任何控制权或经济权益。\n\n48. 2022年10月11日，Genever (BVI)在本院根据破产法第11章提交了自愿救济申请。在March 6, 2023保险单续保时，由于破产案件，Kwok对该公寓或被保险人Genever (US)均不享有任何经济权益。在续保前，AIG通过其代理人Wolfson（沃尔夫森）已被告知并知悉该等破产案件，包括任命受托人一事。此外，\n\n3 命令：根据破产法第363、521、541、1108及1505条，(A)确认第11章受托人持有债务人在债务人控制实体中的全部经济权利和公司治理权利，(B)授权第11章受托人代表破产财团在任何外国行事，以及(c)给予相关救济，第¶ 2段[Docket No. 717]。\n\n在火灾发生时，Kwok仍未对该公寓或Genever实体享有任何经济权益。\n\n49. 2022年11月3日，SDNY Bankruptcy Court作出命令，将Genever (US)第11章案件的审理地点移送至本院，且Kwok、Genever (US)及Genever (BVI)的第11章案件仅为程序目的而进行联合管理。\n\n50. 2022年12月，Genever (US)及受托人的律师与AIG的代理人Wolfson就第11章破产案件以及受托人对Genever (BVI)和Genever (US)等实体的控制权进行了沟通。见作为附件8附于本文件的December 2022 Emails Patrick Linsey（帕特里克·林西） and Catherine Skibitcky（凯瑟琳·斯基比茨基）。\n\n51. 2023年3月6日，AIG将保险单续保至新的年度期间，即March 6, 2023至March 6, 2024。见附件6、9、12-14。\n\n52. 2023年3月15日，火灾损坏了该公寓及其内财产。\n\n53. 2023年3月16日，即火灾发生后的次日，AIG（美国国际集团）的代理人 Wolfson（沃尔夫森）就 AIG 保险保单出具了一份更新后的保险声明页，注明了受托人就被保险人 Genever (US)（Genever（美国））所承担的角色。见附件6、9、12、14第5页；附件13第3页。\n\n54. 自火灾发生以来，本院已作出三项紧急命令，禁止有限当事方以外的任何人进入该公寓。（例如，见随附于此作为附件10的案卷编号1687）。在任何时候，Sherry-Netherland（谢里-内瑟兰）均通过控制和限制进入该公寓的权限而遵守该等命令。\n\n55. 2023年4月17日，AIG 通过律师向受托人 Luc Despins（吕克·德斯平）发出一封信，表明其正在调查该火灾。见随附于此作为附件17的 Michael A. Bono（迈克尔·A·博诺）于2023年4月17日致 Luc Despins 的信函。\n\n56. 2023年4月19日，Sherry-Netherland 通过其律师，经由受托人 Luc Despins 告知 Genever (US)，称：“必须开展紧急服务，以减轻因 Genever Holdings LLC（Genever 控股有限责任公司）所有的十八层公寓于3月15日发生火灾而对 Sherry Netherland 大楼及其他单元造成的损害[。]”随附于此作为附件11的 Sherry Millman（谢里·米尔曼）于2023年4月19日致 Luc Despins 的信函。Sherry Netherland 主张：“[无]论 AIG 的立场如何，作为股东的 Genever [(US)]及掌管 Genever [(US)]的[Despins 先生]均应对本次清理工作，以及任何未能及时开展清理工作所造成的损害负责。”同上。\n\n57. 因此，AIG 未能就初步损失证明中的紧急应对费用，及时向 Genever (US) 提供其应得的保险保障，其行为威胁将通过为 Genever (US) 创设对 Sherry Netherland 及可能对 Sherry Netherland 其他住户的新责任，而对 Genever (US) 造成不可弥补的损害。\n\nC. Genever (US) 在 Sherry-Netherland 的承保损失\n\n58. 2023年3月6日，AIG 将保险保单续保至新的年度期间，即2023年3月6日至2024年3月6日。见附件6、9、13-14。\n\n59. 2023年3月15日，Kwok（郭文贵）在 Genever (US) 所有的该公寓内被联邦执法人员逮捕。\n\n60. 当日稍后，该公寓发生火灾，损坏了该公寓及其内财产。\n\n61. 火灾造成重大财产损失，需要对 Genever (US) 的一份或多份房主保险保单及私人收藏品保单所承保的财产进行修理和/或更换。\n\n62. 损失程度——以及修理和更换所需的费用——仍在调查中，但肯定已达数百万美元。\n\n63. 据所知及相信，至少一名潜在第三方索赔人，即火灾发生时为 Sherry-Netherland 承保的保险公司，已告知 AIG，其可能寻求要求 Genever (US) 对火灾引起的 Sherry-Netherland 的任何及全部损害承担责任。\n\n64. 2023年3月16日，即火灾发生后的次日，AIG 的代理人 Wolfson 就保险保单出具了一份更新后的保险声明页，注明了受托人就被保险人 Genever (US) 所承担的角色。见附件6、9、12、14第5页；附件13第3页。\n\n65. 自火灾发生以来，本院已作出三项紧急命令，禁止有限当事方以外的任何人进入该公寓。例如，见附件10。在任何时候，Sherry-Netherland 均通过控制和限制进入该公寓的权限而遵守该等命令。\n\n66. 2023年4月17日，AIG 通过律师向受托人 Luc Despins 发出一封信，表明其正在调查该火灾。见附件17。\n\n67. 2023年4月19日，Sherry-Netherland 通过其律师，经由受托人 Luc Despins 告知 Genever (US)，称：“必须开展紧急服务，以减轻因 Genever Holdings LLC 所有的十八层公寓于3月15日发生火灾而对 Sherry Netherland 大楼及其他单元造成的损害[。]”附件11。Sherry Netherland 主张：“[无]论 AIG 的立场如何，作为股东的 Genever [(US)]及掌管 Genever [(US)]的[Despins 先生]均应对本次清理工作，以及任何未能及时开展清理工作所造成的损害负责。”同上。\n\n68. 因此，AIG 未能就初步损失证明中的紧急应对费用，及时向 Genever (US) 提供其应得的保险保障，其行为威胁将通过为 Genever (US) 创设对 Sherry Netherland 及可能对 Sherry Netherland 其他住户的新责任，而对 Genever (US) 造成不可弥补的损害。\n\nD. AIG 拒绝承保及试图取消保单\n\n69. Genever (US) 通过保险人的代理人 Wolfson，及时向 AIG 发出了火灾损失通知，以履行保单要求。见附件21。\n\n70. 2023年4月17日，AIG 的法律顾问代表 AIG 向 Genever (US) 发出一封信，称如“先前所告知，AIG 目前正在严格保留权利的前提下，对位于 781 Fifth Avenue, New York, NY 的火灾进行调查。”附件17。\n\n71. AIG 还就与可预见或故意行为所致损失有关的若干保单除外责任保留其权利。见同上。\n\n72. 为协助准备其保险索赔，Genever (US) 聘请了一名公共理算师，该理算师于2023年4月21日向 AIG 提交了一份初步损失证明，要求赔付因火灾产生的承保初步清理费用。该初步损失证明详细列明了承保费用 \\$391,047.97。见随附于此作为附件19的2023年4月21日部分经宣誓损失证明陈述书。\n\n73. 火灾后的该等紧急清理工作对于限制对 Genever (US)、Sherry-Netherland 及其他住户造成的损害至关重要，且 Sherry-Netherland 主张，任何未能采取必要且关键的紧急清理服务的行为，均可能导致对 Genever (US) 施加责任。见附件11。\n\n74. 火灾后的紧急清理工作对于尽快出售该公寓也至关重要。\n\n75. 2023年4月25日，AIG 出具了五份“取消通知”，每份保单一份，声称通知 Genever (US)，AIG 将自2023年5月31日起取消该等保单。见附件1-5。\n\n76. 各份取消通知均以结论性方式列出了保单中的两项取消条件，称：“取消的原因是发现被保险人的故意或鲁莽行为增加了所承保的危险。此外，续保签发后，受保财产发生物理变化，致使该财产根据[AIG]的承保标准变得不可承保。”同上。\n\n77. 取消通知均未包含任何进一步解释或事实依据，以支持对保单的所谓取消。AIG 的取消通知仅将进一步问题转交给 AIG 在 Wolfson 的代理人：\n\n同上。为免生疑，上述引文中“Company”一词系指 AIG。\n\n78. 2023年4月26日，即出具取消通知后的次日，AIG 对 Genever (US) 提交的初步损失证明作出回应，称：“AIG 未要求该损失证明，且尚未就保单项下的承保作出决定。因此，AIG 特此拒绝该损失证明，且不会支付款项。”附件7第3页（着重号为原文所加）。\n\nAIG 还表示：“AIG 对该索赔的调查仍在进行中。”同上第2页。\n\n79. 当时，AIG 已获悉拟进行的紧急清理服务和修复工作具有关键性质，以及未能开展紧急服务和修复工作可能导致对 Genever (US) 施加责任。见随附于此作为附件22的 Luc Despins 于2023年4月14日致 Cara Digiovanna（卡拉·迪焦万纳）和 Michael Bono 的电子邮件。\n\n80. 根据纽约州法律，保险人负有证明其取消个人保险保单（包括房主保险保单）有效性的举证责任。见 Unitrin Direct Ins. Co. v. Barrow, 128 N.Y.S.3d 638, 639-40 (N.Y. App. Div. 2020)。\n\n81. 2023年4月30日，Genever (US) 的律师发出一封信，对 AIG 所谓取消 AIG 保险保单提出异议，指出 AIG 未能履行其证明存在有效理由以取消 AIG 保险保单的举证责任，且 AIG 提供的两项理由在事实层面不准确。见随附于此作为附件18的 John Gibbons（约翰·吉本斯）于2023年4月30日致 Michael Bono 的信函。\n\n82. 2023年5月3日，AIG 作出回应，为其试图取消保单的决定辩护，主张“发现被保险人的故意或鲁莽行为增加了所承保的危险”这一取消条件，得到逮捕和火灾的“可疑性质”支持；并主张，尽管 AIG 保险保单承保的是 Genever (US)，但就保单项下的权利和义务而言，Kwok 的行为“归责于 Genever 及其破产财产受托人。”附件16第2页。\n\n83. 在同一封信中，AIG 主张，“续保签发后，受保财产发生物理变化，致使该财产根据[AIG]的承保标准变得不可承保”这一取消条件，得到火灾在“高度可疑情形下”造成的“重大损害”支持。同上。\n\n84. AIG 律师的信函未遵循 AIG 保险保单条件所规定、并依纽约保险法 § 3425 概述的有限取消依据。例如，附件6第42-43页。\n\n85. AIG 在取消通知中承认，取消只能基于被保险人 Genever (US) 的行为或举止，而 Genever (US) 受受托人控制：\n\n例如，附件1。\n\n86. AIG 的两项解释均不足以证明任何 AIG 保险保单所确定的取消条件，或纽约保险法 § 3425 所允许的任何取消条件。\n\n87. 就有关“发现被保险人的故意或鲁莽行为”的取消条件而言，AIG 从未指明任何人可能存在的故意或鲁莽行为，更不用说被保险人；AIG 也未证明其实际发现了该等行为。相反，AIG 仅依赖于火灾的“可疑性质”。AIG 亦未引用任何先例或保单条款，以支持将非被保险人 Kwok 的行为及主观明知归责于被保险人 Genever (US)。见附件16。\n\n88. 在论及有关“受保财产……发生物理变化，致使该财产根据[AIG]的承保标准变得不可承保”的取消条件时，AIG 再次依赖所谓“高度可疑情形”，但 AIG 所指明的唯一“物理变化”是火灾所造成的损害。见同上。\n\n89. AIG 对其关于未界定不当行为的“怀疑”的过度依赖表明，AIG 无法履行其举证责任，以证明任何满足其所称取消条件的实际事实。\n\n90. 火灾正是财产保险所承保的事件类型，据所知及相信，其不会使财产根据 AIG 的承保标准变得“不可承保”。\n\n91. 此外，AIG 从未试图解释，为何与该公寓有关的所谓“故意或鲁莽行为”或“物理变化”要求取消为 Genever (US) 的其他承保住所及其内财产提供保险保障的保单。\n\n92. 因此，AIG 试图取消 AIG 保险保单的行为违反了该等保单中与取消有关的条款和条件。\n\n93. AIG 试图取消 AIG 保险单的行为还违反了 New York Insurance Law § 3425(c)，该条款将取消保险的事由限定为 AIG 保险单所列明的严格事由，并且保险人必须以被保险人 Genever (US) 的实际作为或行为予以证明。\n\n第一项救济请求\n（违约——取消保险）\n\n94. 原告重述并再次主张前述各段中的指控，如同在此全文重复列明。\n\n95. Genever (US) 已完全遵守 AIG 保险单的全部条款和条件，并已支付所有应付保费。\n\n96. AIG 在缺乏充分正当理由的情况下，依 AIG 保险单的明示条款及 New York Insurance Law § 3425(c) 假称取消该等保险单，因而违反了其在 AIG 保险单项下的职责和义务。\n\n97. AIG 保险单中所列的取消保险的任何事实依据均未发生。\n\n98. AIG 在未具备所需事实或证据支持的情况下假称取消 AIG 保险单，构成对 AIG 保险单的重大违约。\n\n99. AIG 对 AIG 保险单的违约直接导致 Genever (US) 遭受损失，而对于该等损失，在一定程度上不存在充分的法律救济。\n\n100. 如不立即采取补救措施或给予衡平救济，Genever (US) 将遭受不可弥补的损害。\n\n101. 根据专有租赁协议（Proprietary Lease），维持受保住宅的保险是继续拥有该等房产的必要条件。\n\n102. AIG 不当试图取消 AIG 保险单，已对 Genever (US) 造成损害并使其声誉受损，因为 AIG 保险单在保险期间中途被取消后，其他保险人不太可能为受保住宅承保。\n\n103. 如允许 AIG 基于其取消通知中毫无根据的主张而不当地取消 AIG 保险单，Genever (US) 将继续受到损害并使其声誉受损，因为 AIG 保险单在保险期间中途被取消后，其他保险人不太可能为受保住宅承保。\n\n104. 因此，Genever (US) 将因未维持保险而违反专有租赁协议；根据该专有租赁协议的条款，如未能在违约后 thirty (30) 日内纠正该违约，专有租赁协议可被终止，且 Genever (US) 在受保住宅中的股份可被没收。\n\n105. 维持 AIG 保险单对 AIG 几乎不构成任何负担，因为保险费已经支付，且维持 AIG 保险单不会影响 AIG 对发生在拟议的 May 31, 2023 取消日期之前的火灾所承担的承保义务。\n\n106. 相反，取消 AIG 保险单将带来专有租赁协议被终止及 Genever (US) 丧失其在受保房产中所有权权益的重大且实质性风险。\n\n107. AIG 不当地试图取消 AIG 保险单，根本背离了 AIG 保险单条款及 New York Insurance Law § 3425(c) 对 AIG 所施加的法律要求。\n\n108. 因此，AIG 不当地试图取消 AIG 保险单，已导致 Genever (US) 遭受损失，并对 Genever (US) 在受保住宅中的所有权权益构成生存性威胁。\n\n109. 因此，Genever (US) 请求：\n\na) 金额将在审判中证明的金钱损害赔偿；以及\n\nb) 任何及所有被认为公正和适当的衡平救济，包括但不限于法院命令禁止 AIG 取消 AIG 保险单。\n\n第二项救济请求\n（违约——保险承保）\n\n110. 原告重述并再次主张前述各段中的指控，如同在此全文重复列明。\n\n111. Genever (US) 已完全遵守 AIG 保险单的全部条款和条件，并已支付所有应付保费。\n\n112. Genever (US) 因火灾而就其受保不动产和动产遭受承保损失。\n\n113. Genever (US) 提交了初步损失证明，详细列明了修复火灾所造成部分损害的初步费用。\n\n114. 该等承保损失属于 AIG 保险单所提供保护的范围。\n\n115. Sherry-Netherland（谢里-内瑟兰）的大楼保险人 FM Global（FM 环球保险公司）聘请了一名专家顾问，该顾问已完成其调查，并认定“火灾的［原因］无法确定。”参见 Michael Dudas（迈克尔·杜达斯）于 April 27, 2023 致 Cara Digiovanna（卡拉·迪乔瓦娜）及 Luc Despins（吕克·德斯平）的电子邮件，随附于此作为附件 20。\n\n116. 根据所知及确信，除 AIG 外，Sherry-Netherland 住宅的所有其他保险人均已认定无法确定火灾原因。\n\n117. 尽管如此，AIG 驳回了 Genever (US) 的初步损失证明，并拒绝支付 Genever (US) 主张的任何损失。\n\n118. AIG 通过驳回 Genever (US) 的初步损失证明，并拒绝支付 Genever (US) 因火灾主张的任何损失，违反了其在 AIG 保险单项下的职责和义务。\n\n119. AIG 未及时支付该等损失，包括紧急清理费用，已使 Genever (US) 面临不可弥补的损害，包括：(1) Genever (US) 将面临对 Sherry-Netherland 及其他住户承担额外责任的可能性；(2) 未采取必要的紧急措施本身可能被视为违反专有租赁协议，从而使 Genever (US) 面临其公寓被没收的可能性；以及 (3) 在任何情况下，如无紧急维修和清理，Genever (US) 将无法出售该公寓，而这对于作为占有财产债务人的 Genever (US) 至关重要。\n\n120. AIG 未及时支付该等损失的不公平行为违反了 AIG 保险单的条款，Genever (US) 为获得 AIG 保险单所提供的承保范围而支付了高额保费作为对价。\n\n121. 此外，AIG 未及时支付该等损失，根本背离了 AIG 保险单条款及 New York Insurance Law §3425(c) 对 AIG 所施加的法律要求。\n\n122. AIG 关于其调查仍在继续的主张既不可信，也不能为其驳回 Genever (US) 的初步损失证明提供正当理由。\n\n123. AIG 还提出了与由可预见或故意行为造成的损失有关的保单除外责任；尽管其未明确表示该等除外责任适用，但如 AIG 所称，其所述的取消 AIG 保险单的理由确属真实且有效，则将涉及该等除外责任。\n\n124. AIG 保险单中的任何除外责任均不适用于 Genever (US) 因火灾遭受的损失。\n\n125. AIG 对 AIG 保险单的违约直接导致 Genever (US) 遭受金钱损失，其最终金额将在审判中证明。\n\n第三项救济请求\n（确认判决——取消保险）\n\n126. 原告重述并再次主张前述各段中的指控，如同在此全文重复列明。\n\n127. 本案是依据 Bankruptcy Rule 7001(1)、Bankruptcy Code（破产法典）第 363 条及 28 U.S.C. § 2201 提起的确认救济诉讼。\n\n128. Genever (US) 已完全遵守 AIG 保险单的全部条款和条件，并已支付所有应付保费。\n\n129. 就 Genever (US) 购买的 AIG 保险单以及 AIG 不当发出的取消通知而言，Genever (US) 与 AIG 之间就其各自的权利和义务存在可裁判的争议。\n\n130. AIG 保险单及 New York Insurance Law § 3425 仅允许 AIG 基于狭窄且具体的事由取消已签发的保险单。\n\n131. AIG 已发出取消通知，但该等通知未能根据保险单自身条款及纽约州法律，确立任何取消 AIG 保险单的合法依据。\n\n132. 在往来函件中，AIG 未提供任何取消 AIG 保险单的实际事实支持。AIG 的律师在往来函件中承认，取消保险并非基于事实，而是基于“怀疑”，该等怀疑无异于推测和暗示，并且无论如何均未满足 AIG 对取消保险所负的举证责任。\n\n133. AIG 进一步承认，其“怀疑”并不涉及 AIG 保险单所列被保险人 Genever (US) 的任何实际行为或作为，亦不涉及控制 Genever (US) 的受托人的任何实际行为或作为。\n\n134. AIG 不得通过指称 Genever (US) 以外任何实体的事实或行为，或者控制 Genever (US) 的受托人以外任何个人的事实或行为，取消 AIG 保险单。\n\n135. AIG 的取消通知在事实和法律上均有瑕疵，且 Genever (US) 极有可能在其请求宣告 AIG 试图取消保险无效的主张中胜诉。\n\n136. 因此，Genever (US) 请求作出如下宣告：\n\na) AIG 保险单在 March 6, 2023 至 March 6, 2024 的保险期间内仍然有效。\n\nb) 根据 AIG 保险单条款及纽约州法律，AIG 不得基于其“怀疑”取消 AIG 保险单。\n\nc) 根据 AIG 保险单条款及 New York Insurance Law § 3425，AIG 的取消通知在事实和法律上均有瑕疵。\n\n第四项救济请求\n（确认判决——承保范围）\n\n137. 原告重述并再次主张前述各段中的指控，如同在此全文重复列明。\n\n138. 本案是依据 Bankruptcy Rule 7001(1)、Bankruptcy Code 第 105(a) 条和第 363 条及 28 U.S.C. § 2201 提起的确认救济诉讼。\n\n139. Genever (US) 已完全遵守 AIG 保险单的全部条款和条件，并已支付所有应付保费。\n\n140. 就 AIG 保险单项下 AIG 对 Genever (US) 所遭受损失应承担的承保范围，Genever (US) 与 AIG 之间就其各自的权利、义务及承保范围存在可裁判的争议。\n\n141. Genever (US) 请求作出司法裁定，以解决各方之间就 AIG 保险单项下 Genever (US) 就火灾可获得的承保范围所存在的当前可裁判争议。\n\n142. Genever (US) 有权获得司法宣告，确认 AIG 有义务支付 Genever (US) 与火灾有关的损失，包括支付 Genever (US) 的第一方财产损失，以及在针对 Genever (US) 提出第三方索赔时为 Genever (US) 进行抗辩并予以赔偿的费用。\n\n救济请求\n\n因此，原告请求本法院作出有利于原告的判决，并给予以下救济：\n\ni. 禁止 AIG 取消其向 Genever (US) 出售的 AIG 保险单；\n\n- ii. 宣告AIG（美国国际集团）必须根据AIG保险单，就火灾造成的第一方和第三方损失提供保险保障；\n- iii. 宣告AIG不得取消2023年3月6日至2024年3月6日保险期间的AIG保险单，且根据AIG保险单条款及New York Insurance Law § 3425，AIG发出的取消通知在法律上不足；\n- iv. 判给Genever (US)（杰尼维尔（美国））因违约所受的补偿性损害赔偿，具体金额由审判确定，但在任何情况下均超过管辖金额；\n- v. 判给Genever (US)为保护其利益、使该公寓可供出售，以及限制Genever (US)因火灾引起的第三方索赔（包括Sherry-Netherlands（谢里-荷兰酒店）及其他潜在索赔人提出的责任主张）所必需的紧急清理措施的即时保险赔款；\n- vi. 视具体情况，判给Genever (US)惩罚性损害赔偿和/或制裁，以及其律师费和本案费用；\n- vii. 判给Genever (US)判决前利息和判决后利息；以及\n- viii. 判给Genever (US)本法院在具体情况下认为公正、适当或衡平的其他及进一步救济。\n\n［本页其余部分有意留白。］\n\n康涅狄格州特朗布尔\n日期：May 12, 2023 GENEVER HOLDINGS LLC（杰尼维尔控股有限责任公司）\n\n代理人：/s/ David G. Jordon\n\nDavid G. Jordan\nTracy A. Saxe\nBrian J. Clifford\nSaxe Doernberger & Vita\n35 Nutmeg Drive, Suite 140\nTrumbull, CT 06611\n(203) 287-2100\n[djordan@sdvlaw.com]\n[tsaxe@sdvlaw.com]\n[bclifford@sdvlaw.com]\n\n占有中债务人Genever Holdings LLC的拟任特别保险承保范围法律顾问","key_entities":["Kwok","Despins","Luc Despins","Je","Ho Wan Kwok","Guo","CIPA","forfeiture","Miles Guo","Paul Hastings"],"ecf_references":[],"word_count":7435,"status":"published","published_at":null,"created_at":null,"updated_at":"2026-08-23 22:00:46"}