“Additional Insureds” and “Your Work Exclusions” and “Subcontractor Exceptions”…Oh My!

IMG_0302The Arizona Court of Appeals recently issued an opinion in Double AA Builders, Ltd. v. Preferred Contractors Insurance Company, LLC., No. 1 CA-CV 15-0375, which addresses several key construction-related commercial general liability insurance policy (“CGL”) provisions.  The court ultimately held that the subject CGL policy did not provide the general contractor (who was an additional insured) more and/or different coverage than the subcontractor (who was the named insured).  As a result, the court found that the General Contractor was not insured for the loss at issue.  But in reaching its decision, the court examined the concepts of “additional insureds,” ” your work exclusions,” and “subcontractor exceptions” in connection with CGL policies.  For this reason, Double AA Builders  is a particularly interesting case. read more