Thursday, September 4, 2025

You Can Almost HEAR The Banjos Playing.

Law Office of John J. Tormey III, Esq.
John J. Tormey III, PLLC
1636 Third Avenue, PMB 188
New York, NY 10128 USA
(212) 410-4142 (phone)
(212) 410-2380 (fax)
jtormey@optonline.net
https://www.tormey.org
 
Thursday, September 4, 2025
 
VIA U.S. MAIL and E-MAIL:
BSIclaims@travelers.com
Mr. Alan D. Schnitzer - Chairman and CEO
Travelers Bond & Specialty Insurance Claim a/k/a Travelers
P.O. Box 2989
Hartford, Connecticut 06104-2989 USA
 
VIA U.S. MAIL
Christine Kalla, Esq. – Executive Vice President and General Counsel
Travelers Bond & Specialty Insured a/k/a Travelers
PO Box 2950
Hartford, Connecticut 06104-2950 USA
 
VIA U.S. MAIL and E-MAIL:
Mr. Nicholas Seminara – Vice President and Chief Claims Officer
Travelers Casualty and Surety Company of America a/k/a Travelers
One Tower Square, MN06
Hartford, Connecticut 06183 USA
 
VIA U.S. MAIL and E-MAIL:
cyberclaims@cfc.com
complaints@cfc.com
Mr. Andy Holmes - Chief Executive Officer
CFC Underwriting Limited
85 Gracechurch Street
London EC3V OAA
UNITED KINGDOM
 
Re:
Travelers Password/Passcode: TRVP110000
Travelers Policy Number: 107452926
Travelers Policy Number: ZUP – 51N31826-24-PB – Agency Number 3118253
Travelers Policy Number: ZLP – 31N29257-24-PB
Travelers Policy Number: 810-0R001801-24-PB
Travelers Policy Number: H-630-0R001801-TIL-24
Travelers Policy Number: H2N-8100R001801-IND-24
CFC Policy Number: ESN0240009412
CFC Unique Market References: BO87524C9N5047
ELANY Reference: ID - 811044485

Re:      The Village Of Piermont, New York a/k/a “Inc. Village of Piermont”
 
Dear Mr. Schnitzer, Attorney Kalla, Mr. Seminara, Mr. Holmes, Ms. Pane, Attorney Bartels, Ms. Youmans, and Colleagues:
 
I am an attorney in New York, and a citizen and resident of the Hamlet of Pearl River, the Town of Orangetown, and the County of Rockland. I write you, for now, not in the course of representing any client, but as a private citizen concerned about my community. My particular concern regards the embattled Village of Piermont, which is also located within the Town of Orangetown and the County of Rockland - and its outgoing lame-duck Mayor Bruce Tucker who has announced that he is not running for re-election.
 
My understanding is that each of your respective companies either insure the Village of Piermont, New York – or else may have insured the Village of Piermont in the recent past. Therefore, you must already be aware that, as a matter of public record, Mr. Tom DiNapoli’s Office of the New York State Comptroller (OSC) is concluding a Risk Assessment of the Village of Piermont, its finances, and its “public officials” initiated last year in 2024. Having discovered bona fide good cause therefor, OSC is now proceeding to a full-blown and in my view well-needed plenary audit of Piermont:
https://unhandpiermont.blogspot.com/2025/07/exclusive-new-york-state-comptroller.html
https://unhandpiermont.blogspot.com/2025/07/do-you-like-apples.html
https://unhandpiermont.blogspot.com/2025/07/news-12-exclusive-ace-reporter-katerina.html
https://unhandpiermont.blogspot.com/2025/07/thus-spaketh-village-yorg-piermont.html
https://unhandpiermont.blogspot.com/2025/08/where-were-you-while-bruce-was-getting.html
https://unhandpiermont.blogspot.com/2025/08/how-not-to-handle-new-york-state-audit.html
https://unhandpiermont.blogspot.com/2025/09/too-much-time-on-her-hands.html
 
Additionally, there is at least one suggestion in the written record that the pending and ongoing New York State Comptroller Audit of the Village of Piermont is a law enforcement matter:
 
As also indicated in the links above, the Office of the New York State Comptroller recently released many Records to me pursuant to New York’s Freedom of Information Law (FOIL). Insurance documents relating to each of your respective companies were included in that massive FOIL production, which is how I came to conclude that each of your respective companies either insure the Village of Piermont located here in Rockland County and the Town of Orangetown, or else may have insured Piermont in the recent past.
 
Although, as insurance professionals, you are already well-familiar with all the perennial insurance policy buzzwords, each of the following names or phrases came up one or more times in the voluminous Piermont insurance policy documents. I list them alphabetically and indicate the ones of particular interest to you and to me in bold-face type immediately below:
 
(Duty To Perform) Bond
Abuse Or Molestation
Auto
Automobile Liability
Business Policies
Claim Expense
Claim Preparation
Commercial General Liability
Commercial Insurance
Computer Crime
Computer Fraud
Computer Program And Electronic Data Restoration Expense
Consequential Reputational Harm
Contingent Bodily Injury
Corporate Identity Theft
Court Attendance Costs
Coverage For Treasurers And Tax Collectors
Crime
Criminal Reward
Crisis Communication
Cyber Incident
Dependent Business Interruption
Discrimination
EBL
Employee Theft
Employee Theft Of Client Property
Employers Liability
Employment Practices Liability
ERISA Fidelity
Extortion
Fidelity
Forgery Or Alteration
Funds Transfer Fraud
General Liability
Government Entity Crime Endorsement – Faithful Performance Of Duty
Hardware Replacement
Identity Fraud Expense Reimbursement
In Transit
Income Loss And Extra Expense
Injury To Volunteer Firefighters
Inland Marine
Intellectual Property
IT Security And Forensic
Law Enforcement Activities Or Operations
Law Enforcement Liability
Legal And Regulatory
Money Orders And Counterfeit Money
Municipal Insurance Program
Network Security
On Premises
Personal Accounts Forgery Or Alteration
Personal Accounts Protection
PFAs
Police Professional
Post Breach Remediation
Privacy Breach Management
Property
Public Entity Management Liability
Public Officials
Public Use Of Private Property
Push Payment Fraud
Risk Management
Social Engineering Fraud
System Damage And Rectification
Technology Errors And Omissions
Telephone Hacking
Theft Of Funds Held In Escrow
Theft Of Personal Funds
Third-Party Privacy Breach Management
Umbrella Liability
Unauthorized Use Of Computer Resources
VFD Accident/Health
Watercraft Liability
Workers Compensation
 
With those specific topics so noted, my questions to each of you regarding the New York State Comptroller Audit of Piermont and the subject insurance policies and coverage, are as follows:
 
1. Audit Damage. If and assuming that the Village of Piermont and/or its taxpaying residents incur or otherwise suffer fines, penalties, or other economic loss as a result of the New York State Comptroller Audit and/or the presumptive issuance of OSC’s written Audit report thereafter, are these people insured and covered for the full extent of that loss by one or more of the subject insurance policies referenced hereinabove?
 
2. Criminal Defense. If and assuming that state or federal law enforcement action of a criminal or administrative nature is taken as against the Village of Piermont, its Mayor Bruce Tucker, its Trustees, its Board Members, or any persons or entities associated therewith, will one or more of the subject insurance policies referenced hereinabove cover and pay for the defense or defenses?
 
3. Criminal Action Damage. If and assuming that state or federal law enforcement action of a criminal or administrative nature is taken as against the Village of Piermont, its Mayor Bruce Tucker, its Trustees, its Board Members, or any persons or entities associated therewith, will one or more of the subject insurance policies referenced hereinabove serve to indemnify and protect the taxpaying residents of Piermont against any ensuing damage thereby caused?
 
4. Molestation Coverage. Finally, as unsavory a topic as it is, I could not help but notice the explicit references to the words “abuse” and “molestation” in the Piermont insurance documents which I obtained as public Records from the Office of the New York State Comptroller pursuant to FOIL:
https://unhandpiermont.blogspot.com/2025/09/travelers-insurance-of-hartford-awards.html
https://unhandpiermont.blogspot.com/2025/09/the-complete-859-page-piermont-new-york.html
https://unhandpiermont.blogspot.com/2025/09/the-complete-859-page-piermont-new-york_5.html

I am presuming that these references were not gratuitous and do not typically appear in municipal insurance files, but in Piermont’s case are instead the product of the horrible Piermont Fire Department abuse matter occurring approximately a decade-and-a-half ago - in which at least one minor was apparently subjected to the sexual abuse of pedophilic sodomy during a disgusting Piermont Fire Department alias "Empire Hose Co. No. 1" hazing “initiation”:
 
 
Perhaps even more concerning, both of the alleged perpetrators of the claimed pedophilic sexual abuse received payments from the Village of Piermont as of the time periods 2023-2024 and 2024-2025. In other words, the two alleged perpetrators appear to still be located in the community. Please see:
https://unhandpiermont.blogspot.com/2025/08/curious-yellow-part-1.html
https://unhandpiermont.blogspot.com/2025/08/curious-yellow-part-2-2024-2025.html
https://unhandpiermont.blogspot.com/2025/09/exclusive-new-york-state-comptroller.html
https://unhandpiermont.blogspot.com/2025/09/exclusive-new-york-state-comptroller_8.html
https://unhandpiermont.blogspot.com/2025/09/exclusive-new-york-state-comptroller_96.html
https://unhandpiermont.blogspot.com/2025/09/exclusive-new-york-state-comptroller_18.html
https://unhandpiermont.blogspot.com/2025/09/exclusive-new-york-state-comptroller_14.html
https://unhandpiermont.blogspot.com/2025/09/exclusive-new-york-state-comptroller_83.html
https://unhandpiermont.blogspot.com/2025/09/exclusive-new-york-state-comptroller_93.html
https://unhandpiermont.blogspot.com/2025/09/exclusive-new-york-state-comptroller_65.html
https://unhandpiermont.blogspot.com/2025/09/exclusive-new-york-state-comptroller_41.html
https://unhandpiermont.blogspot.com/2025/09/exclusive-new-york-state-comptroller_55.html
https://unhandpiermont.blogspot.com/2025/09/exclusive-new-york-state-comptroller_87.html
https://unhandpiermont.blogspot.com/2025/09/exclusive-new-york-state-comptroller_59.html
https://unhandpiermont.blogspot.com/2025/09/exclusive-new-york-state-comptroller_82.html
https://unhandpiermont.blogspot.com/2025/09/exclusive-new-york-state-comptroller_32.html
https://unhandpiermont.blogspot.com/2025/09/exclusive-new-york-state-comptroller_76.html
 
My question to each of you is, as insurers against this kind of horrific eventuality ever again occurring in the future, what if any ameliorative measures have you or your respective companies taken in more recent years to ensure that this type of catastrophic thing never occurs again? For example, has there been any re-training or re-education put in effect with the Piermont Fire Department and Piermont Village government generally to hedge against that gruesome possibility, as a pre-condition to insurance coverage of Piermont or otherwise? I have to believe that it is in the fiscal interest of each of your companies, not to mention in the moral interest of each of your companies as well, to impose such pre-conditions of insurance coverage on the Village of Piermont to ensure that there will never be any repeat of that hellish scenario reported as public record back in 2011 as per the links above.
 
Thank you for your time in carefully reviewing the contents of this letter, its attendant links, and my specific requests to each of you. I await your carefully-considered response.
 
Very truly yours,

John J. Tormey III, Esq.

cc:
VIA U.S. MAIL and E-MAIL:
Janet Pane - CEO and Executive Director
Excess Line Association Of New York (ELANY)
120 Wall Street, 24th Floor
New York, New York 10005 USA
 
VIA U.S. MAIL and E-MAIL:
Robert William Bartels III, Esq. - Legal Counsel
Excess Line Association Of New York (ELANY)
120 Wall Street, 24th Floor
New York, New York 10005 USA
 
VIA U.S. MAIL and E-MAIL:
syoumans@wrightinsurance.com
Stacey Youmans
Wright Public Entity
12 Metro Park Road, Suite 104
Colonie, New York 12205 USA
 
VIA U.S. MAIL and E-MAIL:
claims@glatfelters.com
VFIS
183 Leader Heights Road, P.O. Box 2726
York, Pennsylvania 17405 USA
 
VIA FAX: 1-845-359-4684, U.S. MAIL, and E-MAIL:
john@bauercrowley.com
Mr. John Barnard
Bauer-Crowley, Inc. – Cavalry Insurance Services Corp. (G3668)
643 Main Street, P.O. Box 358
Sparkill, New York 10976 USA
 
VIA FAX: 1-845-359-4684, U.S. MAIL, and E-MAIL:
jimw@bauercrowley.com
Mr. Jim Wynimko
Bauer-Crowley, Inc. – Cavalry Insurance Services Corp. (G3668)
643 Main Street, P.O. Box 358
Sparkill, New York 10976 USA









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