Opinion ID: 2816277
Heading Depth: 4
Heading Rank: 2

Heading: Separately to each insured against

Text: whom claim is made or “suit” is brought. J.A. 159. When multiple named insureds claim the right to a defense against the same suit, a separation of insureds clause requires the insurer to evaluate the claims against each named insured individually. The insurer treats each insured as if he or she has separate insurance coverage, so that excluded conduct by one insured does not preclude claims brought by other insureds. See W. Am. Ins. Co. v. AV&S, 145 F.3d 1224, 1227-29 (10th Cir. 1998); see, e.g., Commercial Standard Ins. Co. v. Am. Gen. Ins. Co., 455 S.W.2d 714, 721 (Tex. 1970) (construing a severability of interests clause, which “refer[s] to each insured as a separate and distinct individual apart from any and every other person who may be entitled to coverage thereunder” 11 (internal quotation marks omitted)). The policy designates Appellee’s “employees,” “volunteer workers,” “student groups,” and “executive officers” as additional named insureds. J.A. 62, 75-76 (internal quotation marks omitted).