Core Viewpoint - Navigators Insurance Co. is required to recognize Atlanta Gas Light Co. as an additional insured under its policy following a 2018 gas explosion incident in Georgia, as upheld by the U.S. 7th Circuit Court of Appeals [1][8]. Group 1: Legal Proceedings and Rulings - The U.S. 7th Circuit Court of Appeals upheld a lower court's ruling that Atlanta Gas Light Co. is an additional insured under Navigators' policy, while ruling in favor of Navigators on claims of bad faith and breach of fiduciary duty [1][8]. - The appellate court emphasized that the policy language does not support Navigators' argument that Atlanta Gas can only be considered an additional insured if a gas-line marking company is liable [2][8]. - The district court awarded Atlanta Gas $13.8 million, confirming that the policy wording was clear regarding the additional insured status [8]. Group 2: Incident Background - The incident involved a gas line that was not marked by United States Infrastructure Corp. (USIC), leading to a gas explosion that severely injured three women and destroyed a coffee shop in Homerville, Georgia [5][6]. - Atlanta Gas Light Co. had contracted USIC to mark gas lines and required them to obtain liability insurance that included Atlanta Gas as an additional insured [4][5]. Group 3: Insurance Policy Details - Navigators denied the claim for defense and indemnification, arguing that the injuries were not caused by USIC's actions as the lawsuit named only Atlanta Gas [7][10]. - The primary Zurich insurance policy had not been exhausted at the time of settlement discussions, although Atlanta Gas argued that the $2 million limits would soon be surpassed [7].