Here is where the insurance fight begins. All Island’s commercial general liability policy with Peerless carries two additional insured endorsements, both tied to the same trigger – coverage applies for bodily injury “caused, in whole or in part, by” the named insured’s acts or omissions, or by those acting on its behalf, during ongoing operations. One of the endorsements also includes a primary and non-contributory provision when required by written contract. Travelers points to an August 7, 2013 subcontract that, it says, required All Island to name HSD and the owners as additional insureds on exactly that basis.
