{"id":898118,"date":"2020-10-21T11:25:40","date_gmt":"2020-10-21T17:25:40","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=898118"},"modified":"2020-10-21T11:25:48","modified_gmt":"2020-10-21T17:25:48","slug":"but-for-cause-insurance-coverage","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/","title":{"rendered":"The Ancient \u201cBut For\u201d Test Controls Coverage Dispute"},"content":{"rendered":"\n<p>Barry Zalma | <a href=\"http:\/\/zalma.com\/blog\/the-ancient-but-for-test-controls-coverage-dispute\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Zalma on Insurance<\/a><\/p>\n\n\n\n<p><strong>Additional Insured Endorsement Insures Lessor for Slip and Fall in Parking Lot Serving Property Leased<\/strong><\/p>\n\n\n\n<p>When the use of the property as a gas station \/ convenience store depended on customers\u2019 ability to ingress and egress through the attached parking lot \u2013 even though the lessees\u2019 lease did not extend to the parking lot where the plaintiff fell but for the use of the parking lot the gas station\/convenience store could not operate. In&nbsp;<em>Republic Franklin Insurance Company, a\/s\/o Paul H. Lamb, t\/a Lamb\u2019s Auto Service Coatesville Shell v. Brethren Mutual Insurance Company,<\/em>&nbsp;No. 20-1431, United States Court Of Appeals For The Third Circuit (October 6, 2020) was asked to determine whether coverage applied for the additional insured even though the lessees policy did not include the parking lot.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>FACTS<\/strong><\/h2>\n\n\n\n<p>When a customer slipped-and-fell in a gas station parking lot in Honey Brook, Pennsylvania an insurance coverage dispute was submitted to the Third Circuit. The owner insured the properties through Republic Franklin Insurance Company. Lamb leased the gas station \u2013 but not the parking lot \u2013 to Dharmesh and Popat Bhalala, who co-owned Shree Ram Enterprises, LLC, which operated the gas station and associated convenience store. Shree Ram insured the gas station \/ convenience store through a policy with Brethren Mutual Insurance Company. That policy included an endorsement naming Lamb as an additional insured, subject to a critical limitation: Lamb was covered only with respect to liability arising out of the ownership, maintenance or use of that part of the premises leased to Shree Ram.<\/p>\n\n\n\n<p>After both insurers (protecting their insureds and agreeing to resolve the coverage dispute later) agreed to pay for the slip-and-fall injuries, Republic Franklin sued Brethren Mutual for reimbursement of its $175,000 payment to the injured customer on Lamb\u2019s behalf. Republic Franklin claimed that Brethren Mutual owed that sum due to Lamb\u2019s status as an additional insured on Shree Ram\u2019s policy and Republic Franklin\u2019s motion was granted.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>ANALYSIS<\/strong><\/h2>\n\n\n\n<p>The sole issue concerned the scope of coverage provided by the additional insured endorsement. In relevant part, that document provides coverage for liability arising out of the use of the leased premises, which Shree Ram operated as a gas station \/ convenience store. Under Pennsylvania law the phrase \u201carising out of\u201d means causally connected with, not proximately caused by, and but for causation, i.e., a cause and result relationship, is enough to satisfy this provision. With that understanding, the question becomes whether the use of the leased premises was a \u201cbut for\u201d cause of the customer\u2019s slip-and-fall.<\/p>\n\n\n\n<p>The customer slipped and fell in the parking lot after exiting the store. And while not every incidental factor that arguably contributes to an accident is a <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/substantial-compliance-california-contractor\/\">\u201cbut for\u201d cause<\/a> in the legal sense the customer\u2019s patronage of the store and her egress to the parking lot share more than an incidental causal nexus.<\/p>\n\n\n\n<p>Because the customer would not have slipped in the parking lot but for her patronage of the gas station and store, her injuries arose out of the use of the leased premises. Therefore, the Third Circuit concluded that the incident falls within the coverage provided by the additional insured endorsement, and the District Court\u2019s judgment in favor of Republic Franklin was affirmed.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>ZALMA OPINION<\/strong><\/h1>\n\n\n\n<p>A lease of a gas station and convenience store without a parking lot is useless to the lessee. The fact that the parking lot existed and that the lessor did not demand the operator of the gas station to pay rent for it, understanding that it was used for the customers of the convenience store, and since the injury would not have occurred but for the existence of and use of the convenience store. Republic Franklin should be honored for protecting the insured and then, after the insureds were protected, seeking reimbursement and resolution of the coverage dispute.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Barry Zalma | Zalma on Insurance Additional Insured Endorsement Insures Lessor for Slip and Fall in Parking Lot Serving Property Leased When the use of the property as a gas station \/ convenience store depended on customers\u2019 ability to ingress and egress through the attached parking lot \u2013 even though the lessees\u2019 lease did not&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/\">Continue reading <span class=\"screen-reader-text\">The Ancient \u201cBut For\u201d Test Controls Coverage Dispute<\/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":[10721,9914],"tags":[11328,9895,22,23],"class_list":["post-898118","post","type-post","status-publish","format-standard","hentry","category-insurance","category-insurance-coverage","tag-but-for-cause","tag-advise-consult","tag-insurance","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>The Ancient \u201cBut For\u201d Test Controls Coverage Dispute - Advise &amp; Consult, Inc.<\/title>\n<meta name=\"description\" content=\"not every incidental factor that arguably contributes to an accident is a \u201cbut for\u201d cause in the legal sense the customer\u2019s patronage\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Ancient \u201cBut For\u201d Test Controls Coverage Dispute - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"not every incidental factor that arguably contributes to an accident is a \u201cbut for\u201d cause in the legal sense the customer\u2019s patronage\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/\" \/>\n<meta property=\"og:site_name\" content=\"Advise &amp; Consult, Inc.\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/\" \/>\n<meta property=\"article:published_time\" content=\"2020-10-21T17:25:40+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-10-21T17:25:48+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@adviseconsult\" \/>\n<meta name=\"twitter:site\" content=\"@adviseconsult\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\"},\"headline\":\"The Ancient \u201cBut For\u201d Test Controls Coverage Dispute\",\"datePublished\":\"2020-10-21T17:25:40+00:00\",\"dateModified\":\"2020-10-21T17:25:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/\"},\"wordCount\":654,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"keywords\":[\"&quot;But For&quot; Cause\",\"Advise &amp; Consult\",\"insurance\",\"insurance coverage\"],\"articleSection\":[\"Insurance\",\"Insurance Coverage\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/\",\"name\":\"The Ancient \u201cBut For\u201d Test Controls Coverage Dispute - Advise &amp; Consult, Inc.\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\"},\"datePublished\":\"2020-10-21T17:25:40+00:00\",\"dateModified\":\"2020-10-21T17:25:48+00:00\",\"description\":\"not every incidental factor that arguably contributes to an accident is a \u201cbut for\u201d cause in the legal sense the customer\u2019s patronage\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/\"]}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/\",\"name\":\"Advise &amp; Consult, Inc.\",\"description\":\"Construction Expert Witnesses\",\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.myconstructionexpert.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\",\"name\":\"Advise & Consult\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png\",\"contentUrl\":\"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png\",\"width\":162,\"height\":75,\"caption\":\"Advise & Consult\"},\"image\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/\",\"https:\/\/x.com\/adviseconsult\",\"https:\/\/www.linkedin.com\/company-beta\/204526\/\",\"https:\/\/www.youtube.com\/user\/MrConstructionExpert\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg\",\"caption\":\"admin\"},\"sameAs\":[\"http:\/\/www.expertwitnessinconstruction.com\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The Ancient \u201cBut For\u201d Test Controls Coverage Dispute - Advise &amp; Consult, Inc.","description":"not every incidental factor that arguably contributes to an accident is a \u201cbut for\u201d cause in the legal sense the customer\u2019s patronage","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/","og_locale":"en_US","og_type":"article","og_title":"The Ancient \u201cBut For\u201d Test Controls Coverage Dispute - Advise &amp; Consult, Inc.","og_description":"not every incidental factor that arguably contributes to an accident is a \u201cbut for\u201d cause in the legal sense the customer\u2019s patronage","og_url":"https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/","og_site_name":"Advise &amp; Consult, Inc.","article_publisher":"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","article_published_time":"2020-10-21T17:25:40+00:00","article_modified_time":"2020-10-21T17:25:48+00:00","author":"admin","twitter_card":"summary_large_image","twitter_creator":"@adviseconsult","twitter_site":"@adviseconsult","twitter_misc":{"Written by":"admin","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/#article","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/"},"author":{"name":"admin","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7"},"headline":"The Ancient \u201cBut For\u201d Test Controls Coverage Dispute","datePublished":"2020-10-21T17:25:40+00:00","dateModified":"2020-10-21T17:25:48+00:00","mainEntityOfPage":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/"},"wordCount":654,"commentCount":0,"publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"keywords":["&quot;But For&quot; Cause","Advise &amp; Consult","insurance","insurance coverage"],"articleSection":["Insurance","Insurance Coverage"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/","name":"The Ancient \u201cBut For\u201d Test Controls Coverage Dispute - Advise &amp; Consult, Inc.","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website"},"datePublished":"2020-10-21T17:25:40+00:00","dateModified":"2020-10-21T17:25:48+00:00","description":"not every incidental factor that arguably contributes to an accident is a \u201cbut for\u201d cause in the legal sense the customer\u2019s patronage","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.myconstructionexpert.com\/blog\/but-for-cause-insurance-coverage\/"]}]},{"@type":"WebSite","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website","url":"https:\/\/www.myconstructionexpert.com\/blog\/","name":"Advise &amp; Consult, Inc.","description":"Construction Expert Witnesses","publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.myconstructionexpert.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization","name":"Advise & Consult","url":"https:\/\/www.myconstructionexpert.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png","contentUrl":"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png","width":162,"height":75,"caption":"Advise & Consult"},"image":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","https:\/\/x.com\/adviseconsult","https:\/\/www.linkedin.com\/company-beta\/204526\/","https:\/\/www.youtube.com\/user\/MrConstructionExpert"]},{"@type":"Person","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg","caption":"admin"},"sameAs":["http:\/\/www.expertwitnessinconstruction.com"]}]}},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p2ztG6-3LDM","jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/898118","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/comments?post=898118"}],"version-history":[{"count":1,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/898118\/revisions"}],"predecessor-version":[{"id":898119,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/898118\/revisions\/898119"}],"wp:attachment":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/media?parent=898118"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/categories?post=898118"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/tags?post=898118"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}