The appellant, owner of a commercial plaza, was sued after a worker was electrocuted while working on a pylon sign.
The appellant sought a declaration that the respondent insurer, who issued a policy to one of the appellant's tenants naming the appellant as an additional insured 'as landlord only', had a duty to defend the claim.
The application judge dismissed the application, declining to consider extrinsic evidence regarding who hired the worker.
The Court of Appeal dismissed the appeal, finding that the extrinsic evidence was not undisputed and, even if admitted, would not trigger a duty to defend because the true nature of the claim was against the appellant as owner of the plaza, not as landlord.