SCOPE OF COVERAGE PROVIDED. The policies and insurance provisions set forth above for the benefit of the additional insureds are at all times subject to the policy terms, conditions, limitations, exclusions and deductibles and shall only apply to the extent that Lessee has agreed to protect the additional insureds by its agreements to indemnify the additional insureds pursuant to the Lease and then only in their capacity as owner, lessor or lienholder.
SCOPE OF COVERAGE PROVIDED. Although Pennsylvania law concerning the scope of coverage afforded to additional insureds is rather limited, several fundamental principles have been established. First, while there remains considerable folklore to the effect that additional insureds enjoy some sort of an inferior status under the policy and are only intended to be covered in connection with vicarious liability arising from the negligence of the named insured, that is simply not true as a general proposition under the terms of most additional insured endorsements which, until relatively recently, contained few limitations upon the scope of coverage provided to additional insureds.
SCOPE OF COVERAGE PROVIDED. Although Pennsylvania law concerning the scope of coverage afforded to additional insureds remains somewhat limited, much of it consisting of federal trial court level opinions which might be considered persuasive, but are not controlling precedent, several fundamental principles have been established. First, while there is still considerable folklore to the effect that additional insureds enjoy some sort of an inferior status under the policy, and are only intended to be covered in connection with vicarious liability arising from the negligence of the named insured, that is simply not true as a general proposition under the terms of most additional insured endorsements which, until recent years, contained few limitations upon either the scope, or the amount of liability coverage provided to additional insureds. It would also be fair to say that much of the language which has been added by the industry in an apparent effort to limit the coverage provided has not had the desired effect.
