Our insured was contracted to remove snow and ice from a parking lot of an apartment complex. Our insured reported to the property on February 18th and removed snow from the parking lot. On February 20th, a renter at the complex left their apartment and walked across the parking lot to their vehicle. On their way back to their apartment, they slipped on some ice in the parking lot, and became injured.

The injured party presented a claim to the insurance company of the apartment complex. The insurance company denied the claim and med pay, indicating that that our insured had signed a contract with their insured which absolved them of any and all liability and that the contractor would hold them harmless in the event of incident or injury on their property.

Their contract also states that the apartment complex will be added as an additional insured to our policy. This was not done. The contract stipulates that the insured can and will only report back to the property to do additional work once they are called to do so. The liability investigation is ongoing.