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An Endorsement To an Insurance Policy Restricts the Coverage Provided By the Basic Policy, the Endorsement Is Generally Controlling
An Endorsement To an Insurance Policy Restricts the Coverage Provided By the Basic Policy, the Endorsement Is Generally Controlling
By Thomas Paschos, Esq. of Thomas Paschos & Associates, P.C
In Gabriele v. Lyndhurst Residential Community, L.L.C. , --- A.3d ----, 2012 WL 1758138 N.J.Super.A.D. May 18, 2012), Defendant Lyndhurst Residential Community entered into a contract with defendant Daibes Brothers to be the construction manager to construct a building called Riverside Plaza Development. Lyndhurst also entered into a contract with defendant Bravante Automatic Sprinkler to perform sprinkler work. This contract obligated Bravante to name Lyndhurst and Daibes as additional insureds under its comprehensive general liability policy, which had been issued by third-party defendant International Insurance of Hanover (Hanover). Bravante obtained an endorsement to its policy providing such additional insured coverage.
On August 3, 2005, Salvatore Gabriele, Bravante’s sprinkler foreman, was killed when a pallet fell off the sixth floor of the building striking him in the head. The administrator of Gabriele’s estate brought a survivorship and wrongful death action against Lyndhurst, Daibes and various other contractors on the job site. Lyndhurst and Daibes sought coverage from Hanover as additional insureds under the Bravante policy. Hanover disclaimed coverage pursuant to two exclusions in its policy.
Daibes filed a third-party complaint against Hanover seeking a declaration that Hanover was obligated to provide a defense and indemnity for any judgment that might be entered in the Gabriele action. This third-party complaint was brought before the trial court for decision by cross-motions for summary judgment. The court concluded in a written decision that neither of the two exclusions relied upon by Hanover applied to the Gabriele claim against Daibes and therefore declared that Hanover was obligated to provide Daibes coverage in the underlying action.
During trial, the claim against Daibes was settled for the $1 million liability limit of the Hanover policy, with Hanover reserving its right to appeal the declaration of its obligation to provide Daibes with coverage.
On appeal, Hanover argued that coverage for Daibes under the policy was precluded by exclusions both for a claim for personal injury to “an employee of any insured” and for any liability for personal injury that does not arise solely out of the named insured Bravante's work.
The “CVX Endorsement” to the Hanover insurance policy contained a general employee exclusion from insurance coverage for personal injury to an employee of "any insured" arising out of or in the course of, or as a consequence of, employment by any insured, excludes coverage to an additional insured for personal injury or death of an employee of the named insured.
The court held that when an endorsement to an insurance policy restricts the coverage provided by the basic policy, the endorsement is generally controlling. This conclusion, the court noted, is supported by the general principles of insurance law. Applying this principle, the court was satisfied that the CVX endorsement excluding coverage to Daibes for the Gabriele accident reflects the intention of the Hanover policy. The court concluded that since the first exclusions precluded coverage to Daibes for the Gabriele action, there was no need to consider the second of the exclusions.
Thomas Paschos, Esq. Practices in the fields of professional liability, employment litigation, products liability, and insurance coverage. He has represented, amongst others, corporate officers, defendants in RICO actions, physicians, dentists, nursing homes, lawyers, accountants, product manufacturers, leasing companies, insurance agents and brokers, home inspectors, contractors, and insurance companies. He has been awarded an AV rating by Martindale - Hubbell, which identifies a lawyer with a very high to preeminent legal ability. In 2004, he was voted by his peers as one of Pennsylvania's Super Lawyers. Contact Tom at (215) 636-0555 or TPaschos@paschoslaw.com.
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