The applicant landlord sought to bring a subrogated claim against the respondent tenant for damages arising from a residential fire.
The respondent was also an officer of the applicant corporation.
The core issue was whether the respondent was an insured under the applicant's commercial general liability (CGL) policy, which contained a waiver of subrogation against any individual for whom insurance was provided.
The applicant argued the respondent was only insured in her capacity as an officer, while the respondent contended she was covered as an individual.
Applying principles of insurance contract interpretation, including the *contra proferentem* rule, and relying on precedent, the court found that the respondent was an insured for the purposes of the subrogation waiver, thereby prohibiting the subrogated action.