Right here is the place the insurance coverage struggle begins. All Island’s industrial normal legal responsibility coverage with Peerless carries two extra insured endorsements, each tied to the identical set off – protection applies for bodily harm “brought about, in entire or partially, by” the named insured’s acts or omissions, or by these appearing on its behalf, throughout ongoing operations. One of many endorsements additionally features a major and non-contributory provision when required by written contract. Vacationers factors to an August 7, 2013 subcontract that, it says, required All Island to call HSD and the house owners as extra insureds on precisely that foundation.
