As a coverage attorney, I often find myself representing the
liability insurers of both general contractors and subcontractors.
When representing a carrier for a general contractor, one of the
first questions the client usually asks us to explore is whether
its named insured may qualify as an "additional insured"
on a policy issued to one of its subcontractor under an additional
insured endorsement. Correspondingly, when representing a carrier
for a subcontractor, one of the first questions the client usually
asks is whether the client owes additional insured coverage to the
general contractor. The answer to this question of whether the
general contractor qualifies as an additional insured on the
subcontractor's policy may more frequently be "no,"
in light of a recent decision from the Federal District Court for
the Southern District of Florida, Amerisure Insurance
Company v. Seneca Specialty Insurance Company, No.
20-20442, 2020 WL 3317035 (S.D. Fla. June 18, 2020).
