
    John R. Todd, Respondent, v. Union Casualty and Surety Company, Appellant.
    
      ,Vomplaint on a policy of insurance against liability for accident—rwhen demurrable, as not specifying the conditions of the insurance or the hazards insured against — allegation of performance, except as waived.
    
    The complaint in an action alleged that the defendant issued to the plaintiff a ■ ■ policy of insurance by' which it contracted to insure and did insure this plaintiff, upon certain terms and conditions in said contract of insurance specified, * * * against legal liability for damages” to the extent of §5,000 to any one person “respecting fatal or non-fatal injuries from accidents occurring to any person or persons at the place or places mentioned and specified in the application for the said contract of insurance and in the policy of insurance issued oh said application * * * against the hazards enumerated and set forth under a certain premium schedule to said contract of insurance annexed; ” that while said contract of insurance was in force, one Brown, a workman in the employ of the plaintiff, sustained injuries by reason of an accident occurring at the place specified in the policy, and that Brown and the work in which he was employed were included in the class of persons and hazards covered hy the contract of insurance and against ‘' liability to whom and because of which, due to injuries from accidents, this defendant insured plaintiff; ” that subsequently ’ Brown brought an action against the plaintiff to recover for the injuries sus- ' tained by him, and recovered §3,856.57 damages, interest and costs, which the defendant refused to pay; “that plaintiff duly complied with and observed all the provisions of the said contract of insurance by him to be complied with and observed as conditions precedent to defendant’s liability to him thereunder, except in so far as such compliance and observance were waived or rendered unnecessary by the position and action of this defendant.” Judgment was' demanded for the sum of §5,000 and interest.
    The policy on which the defendant’s liability was predicated was not made a part of the complaint.
    
      Held, that the complaint was demurrable, as it alleged simply that the defendant insured the plaintiff upon certain terms and conditions, which were not speci-' fled, against certain hazards which were not set forth, and that the plaintiff had performed in so far as performance had not been waived—setting forth no facts from which a waiver could be presumed.
    Appeal by the defendant, the Union Casualty and Surety Com-' pany, from an interlocutory judgment of the Supreme Court in' favor of the plaintiff, entered in the office of the clerk of the county' of New York on the 30th day of November, 1901, upon the decis-" ion of the court, rendered after a trial at the New York Special' Term, overruling a demurrer to the complaint.
    
      Arthur C. Rounds, for the appellant.
    
      Charles J. Hardy, for the respondent.
   McLaughlin, J.:

This action is brought to recover the sum of $5,000 under an-, employer’s liability policy of insurance.

The defendant demurred to the complaint, upon the ground that it did not state facts sufficient to constitute a cause of action. The demurrer was overruled and defendant has appealed.

The complaint, in substance, alleges that at a time specified, a contract of insurance was made between the plaintiff and defendant by which the defendant “ contracted to insure and did insure this plaintiff upon certain terms and conditions in said contract of insurance, specified, * * * against legal liability for damages” to the extent of $5,000 to any one person “ respecting fatal or non-fatal injuries from accidents occurring to any person or persons at the place or places mentioned and specified in the application for the said contract of insurance and in the policy of insurance issued on said application * * ■ * against the hazards enumerated and set 'forth under a certain premium schedule to said contract , of insurance annexed; ” that while said contract of insurance was in force, a workman hy the name of Brown, in the employ of the plaintiff, sustained injuries by reason of an accident occurring at the place specified in the policy, and that Brown and the work in which he was employed were included in the class of persons and hazards covered by the contract of insurance and against liability to whom and because of which, due to injuries from accidents, this defendant insured plaintiff; ” that the defendant was duly notified of the accident in accordance with the requirements of the contract of insurance, and that it thereupon disclaimed and repudiated any liability; that subsequently Brown brought an action against the plaintiff to recover for the injuries sustained by him, and in that actioii the defendant had notice of the commencement of the same, but it refused to take charge of the defense or to relieve plaintiff of all responsibility or care thereof, as provided in -the policy, and that in that action Brown recovered $3,856.57 damages, interest and costs, which the defendant refused to pay; “that plaintiff duly complied with and observed all the provisions of the said contract of insurance by him to be complied with and observed as conditionsi precedent to defendant’s liability to him thereunder, except in so far as such compliance and observance were waived or rendered unnecessary by the position and action of this defendant; ” and judgment is demanded for the sum of $5,000 and interest.'

We are of the opinion that the appeal is well taken. The complaint does not state facts sufficient to constitute a cause of action. The policy upon which defendant’s liability is predicated is not made a part of the complaint, nor are its terms sufficiently set forth to enable the court to see that, assuming every allegation alleged in the complaint to be true, the plaintiff has a valid and subsisting claim against the defendant. The plaintiff, it is true, pleads the legal effect of the policy, but he has not' alleged the terms and conditions of it, nor the hazards against which he was insured. The allegations in this request are merely to the effect that the defend•ant insured the plaintiff “ upon certain terms and conditions in said contract of insurance specified ” against “ the hazards enumerated and set forth under a certain premium schedule- to said contract of insurance annexed.” What “ the terms and conditions ” of the contract are, what the hazards insured against were, or the nature of the work on which Brown was employed, are not stated, nor is there anything in the complaint from which these facts can be determined. The complaint is also fatally defective in another respect. The plaintiff does not allege performance of the conditions of the policy on his part, nor does he set forth any facts showing a waiver of any of those conditions. The only allegation in the complaint, with reference to the performance of the conditions upon which defendant’s liability depended, is:

“ X. That plaintiff duly complied with and observed all the provisions of the said contract of insurance by him to be complied with and observed as conditions precedent to defendant’s liability to him thereunder, except in so fa/r as such compliance and observance were waived or rendered unnecessary by the position and action of this defendants

To entitle the plaintiff to recover he must show that he has performed all of the conditions of the policy on his part to be performed or that performance has been waived, and this he does not do by alleging that he has complied with the policy in that respect, except where the same has been waived. If he has performed, then that fact must be alleged without qualification. If he has not performed, for the reason that defendant waived performance, then the conditions waived and thé facts and circumstances constituting such waiver must be alleged. (Smith v. Brown, 17 Barb. 431; La Chicotte v. Richmond R. & El. Co., 15 App. Div. 380; Oakley v. Morton, 11 N. Y. 30; Crane v. Knubel, 43 How. Pr. 389 ; Elting v. Dayton, 43 N. Y. St. Repr. 363; S. C. affd., 144 N. Y. 644.)

We have, therefore, a complaint which alleges that the defendant insured the plaintiff, upon certain terms and conditions which are not specified, against certain hazards which are not set forth, and which only alleges performance on the part of the plaintiff in so far as performance has not been waived, and not a fact has been set out from which the court can infer any waiver whatever. We do not think it can be said that this complaint contains a plain and concise statement of the facts constituting a cause of action upon which a recovery is based (Code Civ. Proe. § 48.1), and for that reason the-demurrer should have been sustained.

The judgment appealed from, therefore, must be reversed, with costs, and the demurrer sustained, with costs, with leave to the plaintiff to amend on payment of the costs in this court and in the court', below.

Yan Brunt, P. J., Ingraham, ' Hatch and Lahghlin, JJ., concurred.

Judgment reversed, with costs, and demurrer sustained, with-costs, with leave to plaintiff to amend on payment of costs in this court and in the court below.  