Regal Construction Corp. v. National Union Fire Insurance

**What happened:** A construction worker was injured at a job site where Regal Construction was working. The injured worker sued URS, another company involved in the project. URS had been named as an "additional insured" on Regal's commercial insurance policy, which meant they should be covered if something went wrong with Regal's work. However, when URS asked Regal's insurance company (National Union Fire Insurance) to cover their legal costs and any damages from the worker's injury lawsuit, the insurance company refused. **What the court decided:** The New York court ruled in favor of the insurance company's obligation to cover URS. The court said that since the worker's injury happened during Regal's ongoing construction work, the insurance policy must protect URS from the lawsuit. The insurance company had to pay for URS's legal defense and any damages awarded to the injured worker. **Why this matters for workers:** This ruling strengthens the insurance safety net that protects injured workers on construction sites. When multiple companies work together on projects, having clear insurance coverage means there's more likely to be money available to compensate workers who get hurt on the job, rather than companies pointing fingers at each other while workers go unpaid.