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Is a certificate of insurance “safe?”

So one day this contractor was asked to transport a safe from the basement of a building to the 15th floor. The contractor needed to have a certificate of liability insurance for the building owner and by contract, had to agree to defend, indemnify and hold harmless the building owner.
The insurance company for the building denied the claim for the crushed car. Were they right?

Most likely yes on two counts. First, there is common law liability against the contractor. They can’t just go dropping safes on cars. Secondly, even though the building owner owned the safe, they can pass their liability on to the contractor according to the agreement they have with them.

(fyi… this photo was actually staged

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