Opinion ID: 159796
Heading Depth: 3
Heading Rank: 2

Heading: Air Liquide

Text: The CIGNA policy expressly disclaims any duty to defend, and there is no indication in the policy that Air Liquide owes a defense to Staffing Resources. The Deductible Endorsement reveals that Air Liquide has contracted with a third party to provide adjustment and defense services, but that in no way obligates Air Liquide to provide a defense to additional insureds. Simply put, the CIGNA 10 Ward THG is actually identified as the “Claims Handling Organization” in the schedule which is a part of the same page of the endorsement, but it is clear that Ward THG is the designated Claim Service Organization. 11 We are not persuaded by Appellants’ argument that the Endorsement’s use of the word “accordingly” indicates that the duty to defend devolves upon CIGNA if Air Liquide refuses to defend an additional insured. Such a reading is not supported by the unambiguous and plain meaning of the language relieving CIGNA of “any duty to defend.” - 18 - policy eliminates a duty to defend, and Appellants’ attempts to locate any such duty within the policy are misguided.