{"id":893695,"date":"2018-02-28T09:56:21","date_gmt":"2018-02-28T16:56:21","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=893695"},"modified":"2018-02-28T09:56:21","modified_gmt":"2018-02-28T16:56:21","slug":"additional-insured-status-playing-speak-game-construction-project","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/additional-insured-status-playing-speak-game-construction-project\/","title":{"rendered":"Additional Insured Status: Playing The Speak-Out Game On A Construction Project"},"content":{"rendered":"

Matthew DeVries | Best Practices Construction Law<\/a> | February 21, 2018<\/p>\n

Last weekend we played\u00a0Speak-Out: Kids versus Parents<\/em>, a game where you use a plastic thingy to obstruct your speech capabilities.\u00a0 The winning team is the one that guesses the most phrases.\u00a0 Reading and understanding an insurance policy on a construction project can be a lot like understanding my kids playing\u00a0Speak Out.<\/em><\/p>\n

Proper insurance coverage is an important risk management tool for contractors, subcontractors, project owners\/developers and design professionals. Whether you are required by contract or law, purchase and maintaining the appropriate coverage can help you avoid catastrophe on your project.\u00a0 Since there are so many types available, it is important to understand what is being covered\u2026and what is not.<\/p>\n

This was a hard lesson learned by a contractor recently in\u00a0Vivify Construction v. Nautilus Insurance Co.<\/em>, a recent decision issued by the Appellate Court of Illinois.\u00a0 In that case, the contractor and subcontractor (and their insurance carriers) were pointing the finger at each other for injuries sustained by an employee of the subcontractor.<\/p>\n

The subcontract agreement required the subcontractor to indemnify and hold harmless the contractor against claims of bodily injury resulting from the subcontractor\u2019s work.\u00a0 The subcontract also required the subcontractor to include the contractor as an \u201cAdditional Insured\u201d on its policy.<\/p>\n

The insurance policy provided \u201cAdditional Insured\u201d coverage for the contractor.\u00a0 But it also contained an endorsement that included an \u201cemployee exclusion,\u201d which stated that the policy did not apply to bodily injury to the subcontractor\u2019s own employees.<\/p>\n

The Court was required to parse through the applicable contract and insurance provisions.\u00a0 In the end, the Court found that\u2014despite the \u201cAdditional Insured\u201d status of the contractor\u2014the subcontractor\u2019s insurance policy contained the broadened employee exclusion provisions.\u00a0 This ultimately negated coverage.<\/p>\n

Vivify Construction<\/em>\u00a0addresses such a small portion of insurance coverage disputes on construction projects, but the lesson is far more impactful.\u00a0 Despite the difficulty in reading and understanding insurance coverages on a project, you are advised to specify in your contracts what types, amounts, and limitations are acceptable for a project. While cumbersome, don\u2019t just rely on a certificate of insurance provided by a party, but ask them to get you a copy of the actual policy to review.\u00a0 Don\u2019t try to figure out what was said after the dispute arises.<\/p>\n","protected":false},"excerpt":{"rendered":"

Matthew DeVries | Best Practices Construction Law | February 21, 2018 Last weekend we played\u00a0Speak-Out: Kids versus Parents, a game where you use a plastic thingy to obstruct your speech capabilities.\u00a0 The winning team is the one that guesses the most phrases.\u00a0 Reading and understanding an insurance policy on a construction project can be a… Continue reading Additional Insured Status: Playing The Speak-Out Game On A Construction Project<\/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":[14,9,9914],"tags":[382,9895,72,18,23,157],"class_list":["post-893695","post","type-post","status-publish","format-standard","hentry","category-construction-2","category-construction-contracts","category-insurance-coverage","tag-additional-insured","tag-advise-consult","tag-construction-contracts-2","tag-contractor","tag-insurance-coverage","tag-subcontractor","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nAdditional Insured Status: Playing The Speak-Out Game On A Construction Project - 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