Americans who travel abroad are sometimes injured in accidents, just like at home. Perhaps the most common accident is a slip and fall at a hotel or resort. Upon returning to the United States for treatment, the injured party may call a lawyer and ask if her or she can sue in the United States. The answer is probably no.
"There is no doubt that this case is distasteful; it may be worse than that. But our concern is not with tawdry tales of Ferrari's, Rolex's and ball gowns. It is instead with the broader legal implications of the government's boundless interpretation of the federal bribery statute. A more limited interpretation of the term "official act" leaves ample room for prosecuting corruption, while comporting with the text of the statute and the precedent of this Court."
New York's Highest Court, the NY Court of Appeals, issued a decision holding that the phrase "caused by your acts or omissions" in the additional insured endorsement requires that the named insured wrongful actions be a proximate cause of the accident. The Court of Appeals reversed the Appellate Division which had held that it was the same as "arise out of" such that employee injuries always created additional insured coverage. The decision narrows the coverage an requires some affirmative fault on the part of the named insured for the coverage to apply.