In BP Air Conditioning Corp. v. One Beacon Ins. Grp., the New York Court of Appeals held that in the context of a Comprehensive General Liability insurance policy, additional insured coverage is not contingent upon a liability finding and that the obligation of an insurer to provide a defense to an additional named insured under the policy exists to the same extent as it does to a named insured.
The Court also addressed an issue regarding regarding priority of coverage.