ZEP CONSTRUCTION, INC., Plaintiff, v. INTERSTATE FIRE & CASUALTY COMPANY, CRUM & FORSTER SPECIALTY INSURANCE COMPANY, LEXINGTON INSURANCE COMPANY, TRAFFIC CONTROL PRODUCTS OF FLORIDA, INC., LAUREN ALTERMAN, as Personal Representative of the Estate of JAMES P. BRASHEAR, KIM GUARINO, as Parent and Legal Guardian of TYLER BRASHEAR, a Minor, ZULMA A. RAMIREZ, as Personal Representative of the Estate of MANUEL R. RAMIREZ, ASHLEY BONEY, GLORIVETTE MOLINA-ALAMO, VANESSA ORNEAS, SARA JEAN ORNEAS, CHW CHAU JOHNSTON, LEONEL D. HERNANDEZ, KRISTEN COLEMAN, and AUREA HERNANDEZ NEGRIN, Defendants.
18 Fla. L. Weekly Supp. 65a
Online Reference: FLWSUPP 1712ZEPC Insurance — General liability — Contractor performing bridge deck replacement project has coverage as additional insured for own direct negligence, not just for its vicarious liability, under general liability policy of subcontractor providing traffic control on project where policy provides for coverage if contractor’s liability is caused “in whole or in part” by subcontractor’s acts or omissions and lawsuits filed by or on behalf of persons injured or killed when truck failed to stop at rolling roadblock performed by subcontractor allege fault or have ended in finding of partial fault on behalf of subcontractor — Further, contractor is covered for own negligence under provision of subcontractor’s policy providing coverage for any liability “arising out of” operations of subcontractor — Contractor is also entitled to indemnity for own direct negligence under excess carrier policy — No merit to argument that terms of subcontract control scope of coverage under excess policy — Occurrences — Acts or omissions of subcontractor relating to rolling roadblock and its acts or omissions relating to roadside warning signs are separate occurrences, making $2 million aggregate limit available under policy to indemnify contractor for incident — Primary carrier’s exhaustion of policy limits does not eliminate contractor’s action against carrier for failure to handle claim in good faith by attempting to secure release for contractor’s own negligence — Where primary policy provides that duty to defend ends when policy limit is used in payment of judgments or settlement, primary carrier’s duty to defend did not end when carrier tendered policy limit to excess carrier for purpose of later paying settlement — Excess carrier is entitled to recover damages for primary carrier’s premature termination of defense