The National Gallery brought an application seeking a declaration that its contractor, Lafleur, and Lafleur's insurer, Intact, owed a duty to defend it in two underlying actions arising from a fatal trip and fall by a Lafleur employee on the Gallery's premises.
The court reviewed the commercial general liability policy and the service contract's indemnity provisions.
It found that the underlying claims alleged negligence relating to the design and control of the premises by the Gallery as occupier, independent of any activities by Lafleur.
Furthermore, the policy's exclusions for workers' compensation and employer's liability applied.
The application was dismissed, as neither respondent owed a duty to defend.