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Certificate of Insurance Disclaimer…Not Bulletproof

In T-Mobile USA Inc. v. Selective Insurance Co. of America, Slip. Op. No. 96500-5, 2019 WL
5076647 (Wash. Oct. 10, 2019), the Washington Supreme Court, on a certified question from the
Ninth Circuit, held that despite the disclaimer, Selective’s agent, under apparent authority, bound
Selective to cover T-Mobile USA as an additional insured; and even though T-Mobile USA was not
a signatory to the construction contract that contained the additional insured obligation.

Joseph M. Junfola

Insurance Claim Consultant

Junfola Claim Consulting