In the recent case Triborough Scaffolding & Hoisting Servs. v. Sw. Marine & Gen. Ins. Co., 2026 U.S. Dist. LEXIS 226876, Judge P. Kevin Castel, who was also operating as finder of fact, held that a subcontractor master agreement covered a subcontractor’s work at a specific project, such that an obligation to name the prime contractor Triborough as well as the undefined Owner, bestowed additional insured coverage to Triborough and the Owner under policies issued to the subcontractor.

The agreement at issue was dated December 15-16, 2017 and the accident at issue occurred in 2018. The trial evidence includes testimony from both Triborough and the subcontractor that the agreement was intended to apply annually, and the subcontractor could not recall the parties ever signing a project-specific agreement. Further, Triborough assigned work to the subcontractor by telephone call or texts on several projects, and without a project-specific contract. Moreover, no other operative indemnity or insurance agreement between Triborough and the subcontractor, other than a backdated agreement that was not applicable. Finally, the court did not find plausible that the subcontractor would enter into an agreement meant only to cover the final two weeks of 2017, such that the agreement extended into work occurring in 2018.