The case stems from a September 20, 2017 workplace accident, where You Tien Chen, a worker employed by subcontractor 177 TS Group, Inc., fell from a ladder while working at a construction site. The site was owned by Mayer Malbin, which was insured by Hartford Fire Insurance Company. TS Group, the subcontractor, held a policy with Hudson Excess Insurance Company that included provisions for additional insureds under specific conditions.