Wilson

The essential facts of this case, as they appear to us, are very simple. The defendant, on July 24, 1906, wrote for the plaintiff’s testator, James A. Wilson, and for the Pacific States Telephone and Telegraph Company, what is called an “Owner’s Contingent Liability” accident insurance policy. It was provided therein that the defendant company “hereby agrees to indemnify Pacific States Telephone & Telegraph Company and James A. Wilson . . . against loss from the liability imposed by law upon the assured for damages on account of bodily injuries or death accident-ally suffered while this policy is in force by any person or persons during the continuance of the work described in the schedule, and resulting from the negligence of any contractor or subcontractor engaged in such work.” The schedule referred to contained the following statement: “All work under supervision of James- A. Wilson who lets contract and does carpenter and mason work himself. This policy covers con-' traeted work only.” This provision was inserted for the purpose of bringing Wilson within the terms of this owners’ policy. The building involved belonged to the telephone company, not to Wilson. One of the…