Case Name: Metropolitan Transportation Authority et al., Appellants, v. Zurich American Insurance Company, Respondent
Court: New York Supreme Court, Appellate Division
Jurisdiction: New York
Decision Date: 2009-12-22
Citations: 68 A.D.3d 610
Docket Number: 
Parties: Metropolitan Transportation Authority et al., Appellants, v Zurich American Insurance Company, Respondent.
Judges: 
Reporter: Appellate Division Reports
Volume: 68
Pages: 610–611

Head Matter:
Metropolitan Transportation Authority et al., Appellants, v Zurich American Insurance Company, Respondent.
[891 NYS2d 376]

Opinion:
Defendant excess insurer issued a follow-form policy, which incorporated the terms and conditions of an underlying $1 million general liability insurance policy to the extent not contradicted by the excess policy's express terms (see Vigilant Ins. Co. v Bear Stearns Cos., Inc., 10 NY3d 170, 177 [2008]). Here, the underlying policy provided that additional insureds, such as plaintiffs, would be covered up to the lesser of the policy limits or the amount required by their trade contracts with the insured. There is no doubt that plaintiffs were additional insureds (Bovis Lend Lease LMB, Inc. v Great Am. Ins. Co., 53 AD3d 140, 146-147 [2008]). Nor was there any conflict between the excess policy terms and the blanket additional insured rider in the underlying policy. As such, the trade contract limitation was incorporated into the excess policy (see id.). Concur— Gonzalez, P.J., Tom, Sweeny, Freedman and Abdus-Salaam, JJ.