Minas Gharakhanian — ADJ8706846

Applicant Minas Gharakhanian was injured in Fullerton on May 14, 2012, while employed by Cool Air Supply, which had two workers' compensation policies in effect that date: one with Ullico Casualty Company (now in liquidation, administered by CIGA) and one with Zurich American Insurance Company. The arbitrator found Zurich's policy was a 'wrap up' policy limited to a specific construction project (Citrus Continuation High School) and therefore did not cover the Fullerton injury. CIGA sought reconsideration, arguing Zurich produced no direct evidence of site-specific coverage. The Appeals Board rescinded the arbitrator's Findings and Order, holding that because the Zurich policy contained no approved limiting and restricting endorsement, it covered all Cool Air Supply employees and was not site-specific. As a result, the Zurich policy constituted 'other insurance,' and remaining issues were deferred to the arbitrator.