Other Insurance Clause and the Additional Insured

Q

Our insured, Company X Electronics, Inc., was named as an additional insured on another party's CGL form; Company X was working on a construction site as a subcontractor. Apparently, someone was injured on the site and this person sued Company X as the negligent party. Our insured chose not to seek coverage under his own general liability form, and instead turned the lawsuit over to the carrier that had named it as an additional insured. That insurer agreed to defend Company X, but wanted to share defense costs and any payments with the insurer that wrote Company X's general liability policy.

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