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The Danger of Narrowly Construed Additional Insurance Endorsements

On April 30, 2015, the First Department of the Appellate Division issued a decision in Kel-Mar Designs, Inc. v. Harleysville Insurance Company of New York. At issue was a dispute between insurance companies concerning additional insurance coverage after an employee of the subcontractor, Arcadia, was injured on the job when he lost his footing on a stairway.  See Construction Notes Article