Modern Properties and Aman Constructions have a contract for the construction of a big shopping center. Modern properties took public liability coverage insurance policy not only to cover himself and his companies but also to cover all of its contractors, sub- contractors, and suppliers. Commercial Lighting was one of the sub-contractors who was appointed by Aman Constructions (one of the contractors of Modern Properties) to install the external lighting at a cost of $16,000. However, while the work was being completed, one of the employees of Commercial Lighting got injured while working on a project of Aman Constructions and successfully sued Aman Construction for damages. After paying the damages to that employee, Aman Constructions came to know that the public liability coverage was taken by Modern Properties which covered all contractors and subcontractors dealing with them and hence- asks the Insurance companv