Navigators Insurance Co., a Hartford excess insurer, cannot escape a Georgia utility company’s argument that the utility is an additional insured on a policy, after a 2018 gas explosion in Georgia that left three women severely injured. The utility required USIC to obtain primary and excess liability insurance and to include Atlanta Gas as an additional insured. Atlanta Gas was not able to come to an agreement with them, and the women sued Atlanta Gas in Georgia state court. Its stated reason was that the USIC umbrella policy covered Atlanta Gas as an additional insured only for injuries caused by the line-marking company. In 2020, Atlanta Gas sued Navigators in federal court in Indiana, alleging breach of contract, bad faith and violation of fiduciary duty.