Mealey's (December 16, 2022, 7:38 AM EST) -- BROOKLYN, N.Y. — Finding that a commercial insurer has established that a company made misrepresentations in its application for a businessowners policy and that, pursuant to its underwriting guidelines, the insurer would not have issued the policy if the company had provided truthful responses, a federal magistrate judge in New York recommended that the court enter a declaratory judgment that the policy is void from its inception and that the insurer is not obligated to pay any claims the company submits....