OPINION
This is a double appeal. In the first appeal, Crown Central Petroleum Corp. (“Crown”) appeals the summary judgment entered in favor of Transport Insurance Co. (“Transport”) and the denial of its own motion for summary judgment on Crown’s claims that it was an additional insured under a policy issued by Transport to Coastal Transport Co. (“Coastal”), and, therefore, Transport owed Crown a defense in an underlying lawsuit. In the second appeal, Coastal appeals the summary judgments entered in favor of Crown and intervenor, Liberty Mutual Insurance Co. (“Liberty Mutual”), and the denial of *122 its own motion for summary judgment on Crown’s claim that Coastal owed it indemnification for negligence claims asserted against Crown in the same underlying lawsuit. We affirm.
I.Background
Crown, a refiner and marketer of petroleum products, owns and operates a loading terminal. Coastal is a trucking company. On September 28, 1993, a Coastal employee, Drexel Stewart, was loading gasoline into a trailer owned and operated by Coastal at Crown’s loading terminal. The gasoline overflowed from the trailer and caught fire. The accident resulted in the subsequent filing of personal injury suits by Stewart and two others against Crown, Coastal, and others (the “Stewart lawsuits”). As to Crown, the Stewart plaintiffs alleged that Crown was negligent in the maintenance and repair of its equipment at its loading terminal. Crown eventually settled with the Stewart plaintiffs.
Crown sued Coastal’s insurer, Transport, for failing to tender a defense in the Stewart lawsuits under an insurance policy issued to Coastal by Transport. Crown and Transport filed cross-motions for summary judgment on whether Crown was an insured under Coastal’s policy and, if so, whether Transport owed Crown a defense in the Stewart lawsuits. The trial court granted Transport’s motion for summary judgment, while denying Crown’s motion for summary judgment, and entered judgment that Crown take nothing on its claims against Transport.
Crown also sued Coastal for failing to indemnify it against the claims asserted against Crown in the Stewart lawsuits and for failing to name it as an additional insured in the policy issued by Transport. Crown, Liberty Mutual, 1 and Coastal filed cross-motions for summary judgment on whether the indemnification provision contained in the Terminal Loading Agreement (the “Agreement”) entered into between Crown and Coastal was enforceable, and whether Coastal breached the insurance provision of the Agreement by failing to name Crown as an additional insured. The trial court granted Crown’s and Liberty Mutual’s motions for summary judgment, while denying Coastal’s motion for summary judgment. The trial court entered judgment that Crown recover from Coastal $4,816,549.28 and that Liberty Mutual is subrogated to Crown’s recovery in the amount of $1,924,416.43.
II.Summary Judgment Standard of Review
To prevail on a motion for summary judgment, the defendant must establish that no material fact issue exists and it is entitled to judgment as a matter of law.
See Rhone-Poulenc, Inc. v. Steel,
III.Crown v. Transport Insurance
Crown asserts it is an additional insured under Coastal’s “Truckers Policy” issued by Transport. The interpretation of an insurance contract is governed by
*123
general rules of contract interpretation.
See Texas Farmers Ins. Co. v. Murphy,
The policy issued by Transport Insurance provides:
SECTION II-LIABILITY COVERAGE
A. COVERAGE
We will pay all sums an insured legally must pay as damages because of bodily injury or property damage to which this insurance applies, caused by an accident and resulting from the ownership, maintenance or use of a covered auto.
We have the right and duty to defend any suit asking for these damages. However, we have no duty to defend suits for bodily injury or property damage not covered by this Coverage Form. We may investigate and settle any claim or suit as we consider appropriate. Our duty to defend or settle ends when the Liability Coverage Limit of Insurance has been exhausted by payment of judgments or settlements.
1. WHO IS AN INSURED
The following are insureds:
[[Image here]]
b. Anyone else while using with your permission a covered auto you own, hire or borrow except:
[[Image here]]
(3) Anyone other than your employees, partners, a lessee or borrower or any of their employees, while moving property to or from a covered auto.
[[Image here]]
e. Anyone liable for the conduct of an insured described above but only to the extent of that liability.
(emphasis in the original).
A. Joint and Several Liability
Relying on the language, “anyone liable for the conduct of an insured,” contained in § ILAl.e of the policy, Crown first contends that it was an insured under the policy because it was potentially liable for Coastal’s conduct. Because the Stewart plaintiffs alleged joint and several liability, Crown contends that under Tex. Civ. Prac. & Rem.Code Ann. § 33.013, it could have been hable, not only for its own percentage of negligence, but also for Coastal’s conduct. 2
*124 We disagree. Being liable to pay a portion of a judgment rendered against another defendant under § 33.013 is not the same as being liable for another’s conduct. Section 33.013 does not impose liability on Crown for Coastal’s conduct; instead, it requires Crown to potentially pay the portion of the judgment rendered against Coastal for Coastal’s own conduct. There are no allegations in the Stewart lawsuits that Coastal committed acts or omissions for which Crown is legally liable or responsible, such as an agency relationship. We find that Crown is not an additional insured under § II.A.l.e.
B. “Using” the Truck
Next, Crown asserts it is an additional insured under § II.A.l.b of the policy because it was “using” the truck with Coastal’s permission. Citing to a case from the United States Fourth Circuit Court of Appeals, Crown argues that “using” the truck includes “loading and unloading.”
See Travelers Ins. Co. v. Employers’ Liab. Assur. Corp.,
In Travelers Ins. Co. v. Employers’ Liab. Assur. Corp., an employee of Stewart Petroleum, which operated tank trucks, was loading oil into a truck at a facility owned by Hess, when Stewart’s employee was injured as a result of falling backwards off the truck when the wire cord connected to the manual lever snapped because of a defect. See id. at 206. After settling the employee’s lawsuit, Hess and its insurer, Travelers, looked to Stewart Petroleum’s insurer, Employer’s, for reimbursement. See id. The Fourth Circuit, noting that the word “use” was specifically defined in the policy as including “loading and unloading thereof,” found that use was not restricted to situations in which movement of the vehicle is involved. See id. at 207. The court found:
Hess was intimately involved in the loading operation itself. It maintained the facility in contemplation of its regular use in the manner in which [Stewart’s employee] used it in conjunction with the loading of its products in customers’ vehicles. The operation of the lever was part of the use of the truck in loading. As this entire operation was with the permission of the named insured, the policy covers such use.
Id. at 208.
The Texas Supreme Court has also defined “use.”
See Travelers Ins. Co. v. Employers Cas. Co.,
Expressly included in the pokey’s definition of “use” of an automobile was “the loading and unloading thereof.”
See id.
at 612. The court adopted the meaning of loading and unloading as “ ‘embracing], not only the immediate transference of the goods to or from the vehicle, but the ‘complete operation’ of transporting goods between the vehicle and the place from or to which they are being delivered.’ ”
Id.
(quoting
Wagman v. American Fid. & Cas. Co.,
The issue was not who owned or controlled the concrete, but instead, was whether Borders was unloading the truck and, thereby, using it while the bucket full of concrete was being moved from the truck to the contractor’s forms. See id. at 614. The court, finding that the accident was the result of the collapse of the crane, which was transporting concrete from the truck to the forms and the injuries arose from the use or unloading of the truck, held that Borders was entitled to the pro *125 tection afforded by the policy covering the truck. See id.
Neither case, however, is applicable here. The policies in those cases specifically define “use” to include “loading and unloading.” Section II.A.l.b.3, on the other hand, specifically and expressly excludes “[a]nyone other than [Coastal’s] employees, partners, a lessee or borrower or any of their employees while moving property to or from a covered auto.” (emphasis added).
Recognizing the limitation under § II.A.l.b.3, Crown alternatively argues it is not excluded under that section because although it was “loading” the trailer because the trailer was at its premises, Crown was not physically moving the property to or from the truck at the time of the terminal incident because the loading bays are self-operated, i.e., the truck drivers move the property to the trucks themselves. Contrary to Crown’s assertion, the policy does not restrict “moving” to physical movement. We conclude Crown is not an additional insured under § II.A.l.b of the policy.
C. Claims within the Policy’s Coverage
Transport contends that even if Crown were an additional insured under the policy, it still did not owe Crown a defense in the Stewart lawsuits. The insurer’s duty to defend is determined by the allegations contained in the petition and the language of the policy.
See Fanners Tex. County Mut. Ins. Co. v. Griffin,
The plaintiffs in the Stewart lawsuits sued Crown for damages resulting from the negligent maintenance and operation of its terminal loading facility, not for the negligent use and operation of Coastal’s truck. Therefore, the claims in the Stewart lawsuits against Crown are not covered by the policy. The trial court did not err in granting Transport’s motion for summary judgment or in denying Crown’s motion for summary judgment.
IV. Coastal v. Crown
A. Findings of Fact and Conclusions of Law
As a preliminary matter, Coastal contends the trial court erred in not filing findings of fact and conclusions of law because it could have granted Crown’s motion for summary judgment on more than one ground. Findings of fact and conclusions of law, however, “have no place in a summary judgment proceeding.”
Linwood v. NCNB Texas,
B. Validity and Enforceability of the Indemnity Provision
1. Actual Notice
Coastal contends the indemnity agreement does not satisfy the requirements of fair notice. Risk-shifting clauses must satisfy two fair notice requirements: the express negligence doctrine and the conspicuousness requirement.
See Littlefield v. Schaefer,
The indemnity provision in the Agreement states in its entirety:
4. The withdrawal, loading, transporting and delivery of products withdrawn by CARRIER shall be the sole responsibility of CARRIER, and CARRIER hereby covenants and agrees to indemnify, defend at its own cost, and hold CROWN, its directors, officers, agents, and employees harmless from any and all actions and causes of action, claims, demands, liabilities, losses, damage, injury, cost or expense of whatever kind or nature, including cost of litigation, attorneys’ fees, and reasonable expenses in connection therewith, brought or presented by any person, firm or corporation whatsoever, including, but not limited to, third parties, employees or agents of CARRIER, and their dependents and personal representatives, for injuries or the death of any person, or damage to or loss of property, arising out of any act or omission of CARRIER, its agents, servants, or employees, in connection with or incidental to the withdrawal, loading, transporting and delivery of products hereunder by CARRIER irrespective of whether CROWN, its directors, officers, or employees were concurrently negligent, with CARRIER and irrespective of whether CROWN, its directors’, officers’, or employees’ negligence, if any, was active or passive. The indemnity provided for in this paragraph shall have no application to any claim, liability or cause of action resulting from the sole negligence of CROWN. CARRIER shall be responsible for any damages or injuries caused by any third party, authorized or unauthorized, using CARRIER’S keys or cards for access to the Terminal or who gains entry to [the] Terminal as a result of the use, authorized or unauthorized, of CARRIER’S keys or cards unless CARRIER has previously notified CROWN of the loss, theft, or possible unauthorized use of such key or card. Notification shall be made to Crown Central Petroleum Corporation, 1319 Red Bluff — Pasadena, Tx, telephone 920-4123.
Crown contends the fair notice requirements are not applicable here because Coastal had actual notice of the indemnity provision contained in the Agreement. The fair notice requirements are not applicable when the indemnitee establishes the indemnitor had actual notice or knowledge of the indemnity agreement.
See Dresser Indus., Inc.,
Coastal stipulated that Richard Atwell, the President of Coastal and who signed the Agreement on behalf of Coastal, read the Agreement when he signed it. Coastal complains that Crown did not offer evidence that Atwell actually noticed the indemnity language when he read the Agreement. The Agreement is less than two and one-half pages in length and contains eight paragraphs; the indemnity provision comprises the largest paragraph in the Agreement; and the indemnity provision is referred to in two other paragraphs in the Agreement. We find the fact that Atwell read the Agreement to be sufficient to establish actual notice.
See Goodyear Tire & Rubber Co. v. Jefferson Constr. Co.,
2. Texas Oilfield Anti-Indemnity Act
Coastal contends the indemnity provision is void under the Texas Oilfield Anti-Indemnity Act.
See
Tex. Crv. Prac. & Rem.Code Am § 127.001
et seq.
(Vernon 1997
&
Supp.2000). The Anti-Indemnity Act makes void and unenforceable any provision in an agreement pertaining to a well for oil, gas or water or to a mine for a mineral if it purports to indemnify a person against loss or liability for damage caused by or resulting from the sole or concurrent negligence on the part of the indemnitee, his agent or employee, or an individual contractor directly responsible to the indemnitee.
See Phillips Petroleum Co. v. Brad & Sons Constr., Inc.,
The Act defines “agreement:”
(1) “Agreement pertaining to a well for oil, gas, or water or to a mine for a mineral”:
(A) means:
(i) a written or oral agreement or understanding concerning the rendering of well or mine services; or
(ii) an agreement to perform a part of those services or an act collateral to those services, including furnishing or renting equipment, incidental transportation, or other goods and services furnished in connection with the services;
[[Image here]]
Tex. Crv. Prac. & Rem.Code Ann. § 127.001(1). It further defines “well service:”
(4) “Well or mine service”:
(A) includes:
(i) drilling, deepening, reworking, repairing, improving, testing, treating, perforating, acidizing, logging, conditioning, purchasing, gathering, storing, or transporting oil, brine water, fresh water, produced water, condensate, petroleum products, or other liquid commodities, or otherwise rendering services in connection with a well drilled to produce or dispose of oil, gas, other minerals or water; and
(ii) designing, excavating, constructing, improving, or otherwise rendering services in connection with a mine shaft, drift, or other structure intended for use in exploring for or producing a mineral; but
(B) does not include:
(i) purchasing, selling, gathering, storing, or transporting gas or natural gas liquids by pipeline or fixed associated facilities; or
(ii) construction, maintenance, or repair of oil, natural gas liquids, or gas pipeline or fixed associated facilities.
Tex. Civ. Prac. & Rem.Code Ann. § 127.001(4).
Coastal contends the Agreement constitutes a written agreement concerning the rendering of well services because it includes an agreement to perform incidental transportation, which Coastal claims is an act that is collateral to well services. In support of this contention, Coastal directs *128 the court to the following sentence in the Agreement: “The withdrawal, loading, transporting and delivery of products withdrawn by CARRIER shall be the sole responsibility of CARRIER.”
The Anti-Indemnity Act applies to contracts for services involved in the drilling or servicing of wells.
See Phillips Petroleum Co.,
3. Texas Railroad Commission Rules
Coastal contends the indemnity and insurance provisions violate regulations promulgated by the Texas Railroad Commission pursuant to its authority under the Texas Motor Carrier Act. 5
The Motor Carrier Act regulates motor carriers’ use of public highways for private gain.
See Steve D. Thompson Trucking, Inc. v. State,
The Agreement grants Coastal the right to enter Crown’s premises for the purpose of loading and carrying away petroleum products. We find the Motor Carrier Act and the regulations promulgated pursuant to the Act do not apply to the Agreement between Crown and Coastal and, therefore, do not render the indemnity provision void and unenforceable.
*129 C. Additional Insured Obligation
Assuming the additional insured provision was intended to assure performance of the indemnity obligation and the indemnity provision is void and unenforceable, Coastal argues the summary judgment granted in favor of Crown cannot stand on the ground that it breached an obligation to make Crown an additional insured.
The Agreement states with respect to insurance:
5. CARRIER agrees to purchase at CARRIER’S cost the following insurance:
[[Image here]]
b. Comprehensive General Liability including care, custody and control coverage and liability assumed with $1,000,000 limit per occurrence for bodily injury and property damage combined.
c. Automotive Liability including all vehicles and equipment used by Carrier in the amount of $1,000,000 per accident for bodily injury and property damage.
Such insurance shall include coverage for liability arising out of loading and unloading and shall fully extend to, defend and protect CROWN. CARRIER shall furnish certificates showing insurance is in force and providing 30 days written notice to CROWN prior to any change, non-renewal or cancellation. In the event CARRIER is self-insured, CROWN may accept evidence of CARRIER’S financial responsibility in lieu of Certificate(s) of insurance.
The liability of CARRIER under Section 4 of this Agreement shall not be limited to or by the insurance required of CARRIER hereunder. The provisions of paragraphs 4 and 5 shall remain valid even after the termination of this Agreement.
Referring to the “liability assumed” language of § b of the Agreement, Coastal contends the provision to provide insurance only covers indemnification, not an additional insured. Coastal argues that because the indemnification provision here is void and unenforceable, the provision to provide insurance is also invalid.
Crown, on the other hand, asserts that even if the indemnity provision is unenforceable, the additional insured provision is valid. Crown agrees that the “liability assumed” language refers to Coastal’s indemnity obligation. Crown, however, relying on the language, “[s]uch insurance shall include coverage for liability arising out of loading and unloading and shall fully extend to, defend and protect CROWN,” contends the additional insured provision was not intended merely to assure performance of the indemnity provision, but instead, is an obligation independent of and in addition to the indemnity provision. We agree. This provision requiring Coastal to provide insurance constitutes an obligation separate from merely providing coverage for indemnification.
See Getty Oil Co. v. Insurance Co. of N. Am.,
D. Indemnity for Claims Asserted by Coastal
Coastal asserts the claims it brought against Crown for the loss of its truck and trailer were not covered by the indemnity provision. Therefore, according to Coastal, the $211,422.98 included in the judgment representing attorney’s fees, costs, and expenses, which Crown incurred in defending Coastal’s claims, also is not covered by the indemnity provision.
*130
An indemnity provision does not apply to claims between the parties to the agreement; instead, it obligates the in-demnitor to protect the indemnitee against claims brought by a person not a party to the agreement.
See Wallerstein v. Spirt,
The trial court did not err in granting Crown’s and Liberty Mutual’s motions for summary judgment against Coastal or in denying Coastal’s motion for summary judgment. Accordingly, the judgment of the trial court is affirmed.
Notes
. Liberty Mutual was Crown’s insurer.
. Section 33.013 was amended in 1995. See Act of May 18, 1995, 74 th Leg., ch. 136, § 1, 1995 Tex. Gen. Laws 974. The pre-1995 statute stated in relevant part:
(a) Except as provided in Subsections (b) and (c), a liable defendant is liable to a claimant only for the percentage of the damages found by the trier of fact equal to that defendant's percentage of responsibility with respect to the personal injury, property damage, death, or other harm for which the damages are allowed.
(b) Notwithstanding Subsection (a), each liable defendant is, in addition to his liability under Subsection (a), jointly and severally liable for the damages recoverable by the claimant under Section 33.012 with respect to a cause of action if:
(1) the percentage of responsibility attributed to the defendant is greater than 20 percent; and
(2) only for a negligence action pursuant to Section 33.001(a) or (c), the percentage of responsibility attributed to the defendant is greater than the percentage of responsibility attributed to the claimant....
Id.
. Coastal does not raise the express negligence doctrine on appeal.
. Section 127.003 states:
(a) Except as otherwise provided by this chapter, a covenant, promise, agreement, or understanding contained in, collateral to, or affecting an agreement pertaining to a well for oil, gas, or water to a mine for a mineral is void if it purports to indemnify a person against the loss or liability for damage that:
(1) is caused by or results from the sole or concurrent negligence of the indemnitee, his agent or employee, or an individual contractor directly responsible to the in-demnitee; and (2) arises from:
(A) personal injury or death;
(B) property injury; or
(C) any other loss, damage, or expense that arises from personal injury, death, or property injury.
Tex. Civ. Prac. & Rem.Code Ann. § 127.003.
. The Act and regulations, which were in effect at the time of the accident in 1993, have since been repealed. See Act of June 15, 1995, 74 ‘h Leg., R.S., ch. 705, § 31, 1995 Tex. Gen. Laws 3740.
. The Act’s stated purpose was contained in former § 22b of the Act:
Declaration of Policy. The business of operating as a motor carrier of property for hire along the highways of this State is declared to be a business affected with the public interest. The rapid increase of motor carrier traffic, and the fact that under existing law many motor trucks are not effectively regulated, have increased the dangers and hazards on public highways and make it imperative that more stringent regulation should be employed, to the end that the highways may be rendered safer for the use of the general public; that the wear of such highways may be reduced; that discrimination in rates charged may be eliminated; that congestion of traffic on the highways may be minimized; that the use of the highways for the transportation of property for hire may be restricted to the extent required by the necessity of the general public, and that the various transportation agencies of the State may adjusted and correlated so that public highways may serve the best interest of the general public.
Act of June 15, 1995, 74 th Leg., R.S., ch. 705, § 31, 1995 Tex. Gen. Laws 3740.
