Wright-Ryan Constr., Inc., v. AIG Commercial Ins. Co., No. 10-1096 (1st Cir. 2011)
Annotate this CaseThe claim arose from an accident at a construction site. The company was insured under its own commercial general liability policy, issued by Acadia, and as an additional insured on a subcontractor's policy, issued by AIG. Both policies contained provisions that: This insurance is excess over: (1) Any of the other insurance, whether primary, excess, contingent, or on any other basis . . . (a) That is . . . coverage for "your work"; . . .(2) Any other primary insurance available to you covering liability for damages arising out of the premises or operations for which you have been added as an additional insured by attachment of an endorsement. The company and Acadia sought declaratory judgment that AIG was obligated to defend the construction company and compensation of costs incurred by Acadia that defense. The district court granted judgment in AIG's favor. The First Circuit reversed, holding that the plain language of the policy requires that the Acadia policy be treated as excess over the AIG policy. The word "you" refers solely to the listed Named Insured in the policy Declarations or "qualifying as Named Insureds" under the policy.
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