Opinion ID: 2313119
Heading Depth: 3
Heading Rank: 1

Heading: RPPLI is liability insurance under the Liberty Policies

Text: Liberty contends that the first aspect of the Additional Insured Clause is not met; that is, in order for Pacific to qualify as an additional insured under the policy, Julian must have agreed in writing to provide liability insurance to Conrail. Liberty argues that the DelDOT/Julian Contract required Julian to purchase RPPLI, a specific insurance, but not to provide liability insurance to Conrail, because the latter term refers only to general liability insurance. Liberty reasons that if general liability policies were meant to cover RPPLI, there would be no reason to procure specific RRPLI, which costs an additional premium. We find that the term liability insurance as it appears in the Additional Insured Clause is unambiguous. We therefore give that term its plain and ordinary meaning, [35] which would encompass Railroad Protective Public Liability Insurance, the species of liability insurance required by the DelDOT/Julian Contract. [36] But, even if liability insurance were found to be ambiguous and could be read (as Liberty argues) to exclude the agreement to purchase RPPLI, Liberty's argument still fails because ambiguities are construed strongly in favor of the insured, not the insurer. [37] Under the plain language of the DelDOT/Julian Contract, Julian agreed to obtain RPPLI in the name of Conrail covering any liability arising out of Julian's construction activities at or near the Mt. Pleasant Crossing. Therefore, Conrail satisfies the first aspect of the Additional Insured Clause. [38]