In this insurance coverage dispute, a policy holder and additionally insured parties (collectively the “insured parties”) appeal from the district court’s grant of summary judgment in favor of the insurance provider. The insured parties dispute the district court’s determination that (1) claims for the personal injury to an independent contractor’s employee are excluded from coverage and (2) the insurance provider did not waive its coverage defense. The court has carefully reviewed the briefs and pertinent parts of the record and has found no reversible error of law or fact. Accordingly, we AFFIRM essentially for the reasons stated by the district court.