Not Very Hard Road to Arb.

Philadelphia Indem. Ins. Co. v. SMG Holdings, Inc., C082841 (D3 Jan. 28, 2020)

Entity X claims coverage under an insurance policy as an additional insured. The policy has an arbitration clause. Even though X never signed the policy, it can be compelled to arbitration, whether as a third party beneficiary or under an estoppel theory. 

Reversed.