{"id":903738,"date":"2024-12-19T14:59:40","date_gmt":"2024-12-19T21:59:40","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=903738"},"modified":"2024-12-19T14:59:43","modified_gmt":"2024-12-19T21:59:43","slug":"other-insurance-provision-finger-pointing-between-liability","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/other-insurance-provision-finger-pointing-between-liability\/","title":{"rendered":"Finger Pointing Betwen Liability Insurers and &#8220;Other Insurance&#8221; Provision"},"content":{"rendered":"\n<p>David Adelstein | <a href=\"https:\/\/www.floridaconstructionlegalupdates.com\/finger-pointing-between-liability-insurers-and-other-insurance-provision\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Florida Construction Legal Updates<\/a><\/p>\n\n\n\n<p>It\u2019s not uncommon when liability insurers point the finger at each other relating to which insurer should be deemed primary, which insurer should be excess, or whether a pro rata contribution between insurers applies.\u00a0 Typically, this needs to be decided by the <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/dispute-resolution-provisions-what-to-consider\/\">\u201c<strong>other insurance<\/strong>\u201d\u00a0<strong>provision<\/strong><\/a>\u00a0in the insurance policy that deals with overlapping insurance as well as case law in the governing jurisdiction.<\/p>\n\n\n\n<p>This was the case in&nbsp;<em>Gemini Insurance Co. v. Zurich American Insurance Co<\/em>., 30 Fla. L. Weekly Fed. (11<sup>th<\/sup>&nbsp;Cir. 2024). Both insurers provided liability coverage to a trucking company that got into an accident that resulted in the death of a person. Both carriers\u2013Gemini and Zurich\u2013disputed the amount each carrier owed to a settlement that Gemini funded.<\/p>\n\n\n\n<p><strong>In Florida, \u201cwhere more than one insurer\u2019s policy provides coverage for a loss,\u201d as the parties agree is the case here, \u201cit is appropriate to review the insurance contracts to see if the documents address the \u2018ranking\u2019 or contribution of other insurers.\u201d&nbsp; That sort of \u201cranking\u201d is usually accomplished through an \u201cother insurance\u201d clause.&nbsp;<u>Florida law recognizes \u201cthree principal kinds\u201d of \u201cother insurance\u201d clauses: (1)&nbsp;<em>pro rata<\/em>; (2) excess; and (3) escape or no liability<\/u>.&nbsp; A&nbsp;<em>pro rata&nbsp;<\/em>clause limits an insurance company\u2019s contribution to a proportion of the total loss based on the policy\u2019s limit.&nbsp; An excess clause provides coverage only after other insurance limits are exhausted.&nbsp; And an escape or no liability clause provides that there is no coverage if there is another policy that covers.&nbsp;<\/strong><\/p>\n\n\n\n<p>***<\/p>\n\n\n\n<p><strong>\u201cIn Florida, where two insurance policies contain excess insurance clauses the clauses are deemed mutually repugnant and both insurers become primary and share the loss on a pro rata basis in accordance with their policy limits.\u201d<\/strong><\/p>\n\n\n\n<p><em>Gemini Ins. Co<\/em>., supra (internal citations omitted).<\/p>\n\n\n\n<p>However, whether two policies are purely \u201cexcess\u201d policies is not clear cut.<\/p>\n\n\n\n<p>Zurich argued that the policies should contribute&nbsp;<strong>pro rata<\/strong>&nbsp;because its policy and the Gemini policy were both excess and, thus, deemed repugnant. However, the 11<sup>th<\/sup>&nbsp;Circuit found this unconvincing based on language in Zurich\u2019s \u201cother insurance\u201d provision because the Gemini policy\u2019s \u201cother insurance\u201d provision provided it was a \u201c<strong>pure excess<\/strong>\u201d policy and Zurich\u2019s \u201cother insurance\u201d provision contained pro rata language:<\/p>\n\n\n\n<p><strong>And in such a scenario, \u201ccourts give effect to the&nbsp;<em>pure excess&nbsp;<\/em>provision.\u201d&nbsp;<em>Id.&nbsp;<\/em>(emphasis added). Helpfully for our purposes, State Farm\u2019s \u201cother insurance\u201d clause in&nbsp;<em>Ferris&nbsp;<\/em>described itself \u2014 much like Zurich\u2019s here \u2014 as applying \u201cexcess coverage.\u201d Notwithstanding the label,&nbsp;<em>Ferris&nbsp;<\/em>deemed it a&nbsp;<em>pro rata&nbsp;<\/em>clause because of its \u201cwe will pay the proportion\u201d language. That is language that Zurich\u2019s policy also contains.<\/strong><\/p>\n\n\n\n<p>***<\/p>\n\n\n\n<p><strong>In sum, we have one Florida case,&nbsp;<em>Ferris<\/em>, that tells us that an \u201cother insurance\u201d clause containing the phrase \u201cwe will pay the proportion of damages payable as excess\u201d means that the clause was&nbsp;<em>pro rata<\/em>, even though it also characterized itself as an excess clause. And we have&nbsp;<em>Beane<\/em>, which, in comparing two excess \u201cother insurance\u201d clauses, teaches that the phrase \u201c[we] shall not contribute with such other insurance\u201d carries with it special significance.<\/strong><\/p>\n\n\n\n<p><strong>Turning back to the \u201cother insurance\u201d clauses at issue here, Zurich\u2019s contains the \u201cwe will pay the proportion\u201d phrase from&nbsp;<em>Ferris&nbsp;<\/em>and Gemini\u2019s contains the \u201cwe shall not contribute\u201d phrase from&nbsp;<em>Beane<\/em>. Considered together, we believe that&nbsp;<em>Ferris&nbsp;<\/em>and&nbsp;<em>Beane&nbsp;<\/em>counsel that Gemini\u2019s policy is excess to Zurich\u2019s.<\/strong><\/p>\n\n\n\n<p><em>Gemini Ins. Co<\/em>., supra (internal citations omitted).<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes &#8211; please call Advise &amp; Consult, Inc. at 888.684.8305, or email <a href=\"mailto:experts@adviseandconsult.net\">experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>David Adelstein | Florida Construction Legal Updates It\u2019s not uncommon when liability insurers point the finger at each other relating to which insurer should be deemed primary, which insurer should be excess, or whether a pro rata contribution between insurers applies.\u00a0 Typically, this needs to be decided by the \u201cother insurance\u201d\u00a0provision\u00a0in the insurance policy that&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/other-insurance-provision-finger-pointing-between-liability\/\">Continue reading <span class=\"screen-reader-text\">Finger Pointing Betwen Liability Insurers and &#8220;Other Insurance&#8221; Provision<\/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],"tags":[9895,22,9887],"class_list":["post-903738","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-advise-consult","tag-insurance","tag-other-insurance-provisions","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>Finger Pointing Betwen Liability Insurers and &quot;Other Insurance&quot; 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