{"id":2137,"date":"2025-08-22T16:00:36","date_gmt":"2025-08-22T16:00:36","guid":{"rendered":"https:\/\/www.insuracarelife.com\/blog\/kinsale-insurance-challenges-duty-to-cover-oilfield-injury-lawsuit\/"},"modified":"2025-08-22T16:00:36","modified_gmt":"2025-08-22T16:00:36","slug":"kinsale-insurance-challenges-duty-to-cover-oilfield-injury-lawsuit","status":"publish","type":"post","link":"https:\/\/www.insuracarelife.com\/blog\/kinsale-insurance-challenges-duty-to-cover-oilfield-injury-lawsuit\/","title":{"rendered":"Kinsale Insurance challenges duty to cover oilfield injury lawsuit"},"content":{"rendered":"<div>\n<p>Now, Kinsale is asking the federal court to step in. The insurer says its policies with TCS &#8211; an environmental combined liability policy and an excess liability policy &#8211; don\u2019t cover the accident, no matter how you slice it. Kinsale points to two key policy exclusions. First, there\u2019s the employer\u2019s liability exclusion, which says there\u2019s no coverage for injuries to employees while they\u2019re working. Second, there\u2019s an exclusion for independent contractors, which kicks in unless the contractor met several insurance and paperwork requirements. According to Kinsale, Gamboa didn\u2019t meet those requirements &#8211; he didn\u2019t have his own insurance with matching limits, didn\u2019t add TCS as an additional insured, and didn\u2019t sign a hold harmless agreement.<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Now, Kinsale is asking the federal court to step in. The insurer says its policies with TCS &#8211; an environmental combined liability policy and an excess liability policy &#8211; don\u2019t cover the accident, no matter how you slice it. Kinsale points to two key policy exclusions. First, there\u2019s the employer\u2019s liability exclusion, which says there\u2019s [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2138,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[627,315,1225,1246,11,1305,1228,1313],"class_list":["post-2137","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-challenges","tag-cover","tag-duty","tag-injury","tag-insurance","tag-kinsale","tag-lawsuit","tag-oilfield"],"_links":{"self":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/2137","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/comments?post=2137"}],"version-history":[{"count":0,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/2137\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media\/2138"}],"wp:attachment":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media?parent=2137"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/categories?post=2137"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/tags?post=2137"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}