But there’s another layer. Hudson Insurance Company, according to the complaint, was providing commercial auto coverage to O & I Transport at the time. Both Cummings and Ringwood Brothers, as driver and lessor, were considered “insureds” under Hudson’s policy for this accident, according to Great West’s complaint. The complaint states Hudson paid Campbell $966,947.05 and secured a Covenant Not To Execute – meaning Campbell agreed not to enforce any judgment against Hudson, O & I, or Cummings – but Ringwood Brothers was not included in that agreement and did not receive a defense from Hudson.