Judgment of Appellate Division and Special Term reversed and complaint dismissed, with costs in all courts on opinions of Hogan and McLaughlin, JJ., in Gately-Haire Co. v. Niagara Fire Ins. Co. (221 N. Y. 162.)

Concur: Hiscock, Ch. J., Chase, Hogan, Pound, McLaughlin, Crane and Andrews, JJ.