Harabedian

This action for declaratory relief involves the interpretation of a comprehensive liability insurance policy issued by appellant, Zurich Insurance Company, to the respondent, Michael T. Harabedian. In the declarations of the policy the limits of liability are expressed as $100,000 for bodily injury to one person and $300,000 for each accident. David T. Harabedian, respondent’s son, was at all material times an additional insured. Two endorsements or riders were attached to the policy, having liability limits expressed as $25,000 for bodily injury to one person and. $50,000 for each accident.

Both riders have the same effective date and were delivered with the policy. One of them, called amendatory endorsement, reads in pertinent part: “In consideration of the premium charged it is agreed the limits of liability for Coverage A—bodily injury liability as described in the supplementary Provisions Endorsement Form 116 Applicable to David T. Harabedian is amended to read: $25,000 each person. $50,000 each accident.” (Italics added.) The second, a supplementary provisions endorsement, provides in pertinent part: “It is agreed that such insurance as is afforded by the policy applies…