{"id":893596,"date":"2018-02-08T10:59:22","date_gmt":"2018-02-08T17:59:22","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=893596"},"modified":"2018-02-08T10:59:22","modified_gmt":"2018-02-08T17:59:22","slug":"additional-insured-counseled-read-policy","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/additional-insured-counseled-read-policy\/","title":{"rendered":"\u201cAdditional Insured\u201d Counseled to Read the Policy"},"content":{"rendered":"<p>Robert M. Frey | <a href=\"https:\/\/www.butlersnow.com\/2018\/01\/additional-insured-counseled-read-policy\/\" target=\"_blank\">Butler Snow<\/a> | January 30, 2018<\/p>\n<p>An Illinois General Contractor learned a hard lesson the other day; the case is\u00a0<em>Vivify Constr., LLC v. Nautilus Ins. Co<\/em><em>.<\/em>, 2017 IL App (1st) 170192.<\/p>\n<p>The General Contractor, Vivify Construction, subcontracted part of the job to Victoria. Naturally wishing to protect itself from claims arising from Victoria\u2019s work, Vivify required Victoria to maintain liability insurance, and to include Vivify \u201cas an additional insured for claims caused in whole or in part by Victoria\u2019s negligent acts or omissions. . . .\u201d\u00a0<em>Id.\u00a0<\/em>\u00a0(brackets omitted).<\/p>\n<p>Victoria did indeed include Vivify as an Additional Insured.\u00a0 Unfortunately for Vivify, however, Victoria\u2019s policy contained an exclusion for claims by employees of \u201cany insured\u2019s contractors, subcontractors, or independent contractors. . . .\u201d\u00a0 The trial court found, and the appellate court agreed, that this language unambiguously applied:\u00a0 Vivify was an \u201cinsured\u201d; Victoria was a Vivify \u201ccontractor\u201d; and the injured worker was an \u201cemployee\u201d of Victoria.\u00a0 (The Court seemed to pass over the equally-fatal exclusion for claims by \u201cemployees . . . of any insured. . . .\u201d).\u00a0 The court distinguished cases reaching a different result based on the separation-of-insureds clause: \u201cnone of those cases involved policies containing the broad exclusionary language at issue here.\u201d<\/p>\n<p>As a parting shot to Vivify the Court closed with this observation (emphasis supplied):<\/p>\n<blockquote><p>We observe that while Vivify contends it is unlikely that Victoria will be able to pay Vivify\u2019s legal expenses and any judgment against it,\u00a0<strong>Vivify could have protected itself by reading the policy to ensure that it satisfied the subcontract.<\/strong>\u00a0We cannot rewrite an insurance policy to suit Vivify\u2019s needs.<\/p><\/blockquote>\n<p>Which leads us back to what we said\u00a0some while ago:\u00a0 \u201cdemand a copy of the Policy (not merely a COI); and\u00a0<em>read\u00a0<\/em>the Policy when you get it.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Robert M. Frey | Butler Snow | January 30, 2018 An Illinois General Contractor learned a hard lesson the other day; the case is\u00a0Vivify Constr., LLC v. Nautilus Ins. Co., 2017 IL App (1st) 170192. The General Contractor, Vivify Construction, subcontracted part of the job to Victoria. Naturally wishing to protect itself from claims arising&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/additional-insured-counseled-read-policy\/\">Continue reading <span class=\"screen-reader-text\">\u201cAdditional Insured\u201d Counseled to Read the Policy<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[9914],"tags":[382,9895,23],"class_list":["post-893596","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","tag-additional-insured","tag-advise-consult","tag-insurance-coverage","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u201cAdditional Insured\u201d Counseled to Read the Policy - Advise &amp; 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