Under New York law, "each individual additional insured . . . must be treated as if separately covered by the policy and indeed as if he . . . had a separate policy of his own" ( Greaves v Public Serv. Mut. Ins. Co., 5 NY2d 120, 124), even where, as here, the policy is issued based on a material misrepresentation by the primary insured ( see BMW Fin. Servs. v Hassan, 273 AD2d 428, lv denied 95 NY2d 767). Accordingly, plaintiff additional insured was entitled to coverage under the subject policy, notwithstanding the circumstance that the policy had been issued based upon a misrepresentation by the primary insured and was void as to that party.