DECISION AND ORDER INTRODUCTION Plaintiff SatisPie, LLC (“Plaintiff”) brings this action against defendant Travelers Property Casualty Company of America (“Defendant”), alleging claims for breach of contract, breach of the implied covenant of good faith and fair dealing, equitable estoppel, and negligence. (Dkt. 1-2). Presently before the Court is Defendant’s motion for summary judgment. (Dkt. 31). For the reasons that follow, the Court grants Defendant’s motion with respect to the breach of contract and negligence claims, but denies the motion with respect to the breach of the implied covenant of good faith and fair dealing and equitable estoppel claims. BACKGROUND I. Factual Background The following facts are taken from Defendant’s Statement of Undisputed Material Facts (Dkt. 31-19), Plaintiff’s response to Defendant’s statement (Dkt. 35-1), and the evidence submitted by the parties in support thereof. Unless otherwise noted, these facts are undisputed. As is required on a motion for summary judgment, the Court construes all evidence in the light most favorable to Plaintiff. Plaintiff is a pie manufacturing business that sells unbaked frozen pies to commercial customers for retail sale. (Dkt. 35-4 at 2). On June 30, 2014, Defendant issued a commercial insurance policy (the “Policy”) (Dkt. 31-2) on which Plaintiff was a named insured. (Dkt. 31-19 at 1; Dkt. 35-1 at 1). The Policy’s effective date was from July 1, 2014, to July 1, 2015. (Dkt. 31-19 at 1; Dkt. 35-1 at 1). The Policy contains an endorsement expanding covered causes of loss to include “equipment breakdown” (Dkt. 31-2 at 72-77) (the “Equipment Breakdown Endorsement”). The Equipment Breakdown Endorsement contains a $25,000 limitation for property damage caused by ammonia contamination. (Id. at 74, 77) (indicating that “[t]he most [Defendant] will pay for loss or damage to property caused by ammonia contamination that directly results from a Breakdown to Covered Equipment” is $25,000). On March 28, 2015, Plaintiff experienced an ammonia leak inside its cold-storage area within its insured premises. (Dkt. 31-19 at 5; Dkt. 35-1 at 5). At the time of the ammonia leak, Plaintiff was storing both finished frozen pies and frozen raw materials in the cold-storage area. (Dkt. 31-9 at 6; Dkt. 35-1 at 6). After the ammonia leak was discovered, Plaintiff’s President and Chief Executive Officer Michael Pinkowski (“Pinkowski”) contacted Sarah Viksjo (“Viksjo”), an employee of his insurance broker. (Dkt. 31-9 at 7; Dkt. 35-1 at 7). Pinkowski informed Viksjo that there had been a “major ammonia leak” with a “likely total loss on all product in the storage freezer” and asked her to alert Defendant. (Dkt. 31-9 at
8-9; Dkt. 35-1 at
