Opinion ID: 2822801
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Heading: CGL and Umbrella Insurance

Text: CGL insurance is generally not intended to cover liability for injuries to employees. See Ward v. Curry, 341 S.W.2d 830, 835 (Mo. 1960). The purpose of CGL insurance is to protect businesses against the potentially vast liability that can arise from accidentally injuring members of the public. Id. at 838-39. Accordingly, CGL policies typically exclude liability for injuries to employees: (1) arising out of the scope of employment; or (2) that are covered by workers' compensation laws. See id. at 835, 838-39; see also Gear Auto. v. Acceptance Indem. Ins. Co., 709 F.3d 1259, 1262, 1264-65 (8th Cir. 2013) (citing Am. Family Mut. Ins. Co. v. Tickle, 99 S.W.3d 25, 29 (Mo. App. 2003)); 3 New Appleman, §§ 16.02[3][a][vi][C], 18.03[5]; 9A Couch, § 129:10 to 11. Umbrella policies are supplemental. They increase the amount of coverage beyond the limits of an underlying primary policy, although they often also fill gaps in primary coverage. See Selimanovic v. Finney, 337 S.W.3d 30, 39-40 (Mo. App. 2011); Haggard Hauling & Rigging Co. v. Stonewall Ins. Co., 852 S.W.2d 396, 399 n.1 (Mo. App. 1993); 4 New Appleman, § 24.02[2][a], [3], [4]; 15 Couch, § 220:32. Ultimately, an insurance policy's language determines coverage. Selimanovic, 337 S.W.3d at 40; Haggard, 852 S.W.2d at 399 n.1; see Allen, 436 S.W.3d at 553. 6