Wording of Additional-Insured Provisions Makes All The Difference

A New York appellate court ruled recently in Hanover Insurance Co. v. Philadelphia Indemnity Insurance Co., 2018 NY Slip Op 02121 (1st Dep’t March 27, 2018), that an insurance policy did not cover an additional named insured over a personal-injury lawsuit arising from its alleged negligence because coverage was limited only to injuries caused by the named insured.  This decision again underscores, as we advised in a recent Blog Post addressing JP Energy Marketing LLC v. Commerce and Industry Insurance Co. (which can be found here), the importance of carefully evaluating the wording of “additional insured” provisions, which can vary widely in scope and effect. Manhattan School of Music was an additional named insured under an insurance policy issued by Philadelphia Indemnity Insurance Co. to Protection Plus Security Corporation. The insurance policy provided that Manhattan School was an additional insured, but “‘only with respect to liability…

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