{"id":893758,"date":"2018-03-15T11:11:49","date_gmt":"2018-03-15T17:11:49","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=893758"},"modified":"2018-03-15T11:11:49","modified_gmt":"2018-03-15T17:11:49","slug":"sure-youre-additional-insured-second-circuit-says-may-not","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/sure-youre-additional-insured-second-circuit-says-may-not\/","title":{"rendered":"Are You Sure You\u2019re an \u201cAdditional Insured\u201d? The Second Circuit Says You May Not Be"},"content":{"rendered":"

Pillsbury Winthrop Shaw Pittman LLP<\/a> | March 6, 2018<\/p>\n

In a\u00a0previous blog post\u00a0we discussed a New York trial court decision in which the court granted additional insured status to entities that did not contract with the named insured, but were referenced by category in the named insured\u2019s subcontract. But before concluding you\u2019ve got additional insurance, there\u2019s another opinion you should know about. Around the same time, the U.S. Court of Appeals for the Second Circuit came to the opposite conclusion holding that an Additional Insured endorsement did not cover the University of Rochester Medical Center, even though the subcontract specifically provided that the University would be an additional insured, and Harleysville Insurance Co. therefore had no obligation to defend or indemnify it in a suit filed by an injured construction worker.<\/p>\n

In\u00a0Cincinnati Insurance Co. v. Harleysville Insurance Co., et al.<\/em>, Jumall Little, an employee of The Kimmell Company Inc. was injured while making repairs at the Medical Center. Little sued the University, the general contractor on the project, and the subcontractor that engaged Kimmell to do the work Little was performing when he got injured.<\/p>\n

As was required by its subcontract, Kimmel took out an insurance policy with Harleysville, which provided coverage for certain additional insureds through two separate endorsements, the Privity Endorsement and the Declaration Endorsement. Neither endorsement, though, expressly included either the University or the general contractor as an Additional Insured.<\/p>\n

The Privity Endorsement provided additional insurance coverage to entities in contractual privity\u2014a direct contractual relationship\u2014with Harleysville\u2019s named insured, Kimmel:<\/p>\n

[w]hen you [Kimmel] and such person or organization [Kimmel\u2019s subcontractor] have agreed in writing in a contract or agreement [the subcontract] that such person or organization [Kimmel\u2019s subcontractor] be added as an additional insured on your policy.<\/p>\n

The Second Circuit found that the \u201cPrivity Endorsement does not confer \u2018additional insured\u2019 status on [the University or the General Contractor] because the Privity Endorsement requires contractual privity,\u201d and Kimmel did not enter into a contract with either entity\u00a0directly<\/em>. The panel held that while Kimmel contractually agreed to name the University as an additional insured, such an agreement does not modify the express terms of the insurance policy Kimmel actually purchased.<\/p>\n

The University fared no better under the Declaratory Endorsement. That endorsement amended the policy \u201cto include as an additional insured the person(s) or organization(s) shown in the Schedule.\u201d The Corresponding \u201cSchedule of Other Coverages\u201d included \u201cOwners, Lessees Or Contractors \u2013 Automatic Status When Required In Construction Agreement With You.\u201d It did not name the University with particularity. The panel upheld the lower court\u2019s ruling that the Declaration Endorsement did not confer \u201cadditional insured\u201d status on either the University or the General Contractor because neither the University nor the General Contractor were\u00a0specifically<\/em>\u00a0listed on the corresponding Schedule.<\/p>\n

So, if you think you\u2019re an additional insured, give it another thought. Don\u2019t just rely on a representation that you\u2019re covered! Make sure you take the time to review the Additional Insured Endorsement, just as you would any other insurance policy. And, as always, if in doubt, consult a coverage lawyer\u2014preferably before you agree to additional insurance offered by your subcontractors.<\/p>\n","protected":false},"excerpt":{"rendered":"

Pillsbury Winthrop Shaw Pittman LLP | March 6, 2018 In a\u00a0previous blog post\u00a0we discussed a New York trial court decision in which the court granted additional insured status to entities that did not contract with the named insured, but were referenced by category in the named insured\u2019s subcontract. But before concluding you\u2019ve got additional insurance,… Continue reading Are You Sure You\u2019re an \u201cAdditional Insured\u201d? The Second Circuit Says You May Not Be<\/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":[382,9895,303],"class_list":["post-893758","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","tag-additional-insured","tag-advise-consult","tag-new-york","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nAre You Sure You\u2019re an \u201cAdditional Insured\u201d? 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