We respectfully dissent because, in our view, the exclusionary language in the applicable insurance policy is “ ‘clear and unmistakable . . . , is subject to no other reasonable interpretation, and applies in th[is] particular case’ ” (Belt Painting Corp. v TIG Ins. Co., 100 NY2d 377, 383 [2003]). We would therefore deny plaintiffs’ motion for summary judgment, grant defendant’s cross motion for summary judgment, and declare that defendant has no obligation to indemnify its insured in the underlying personal injury action commenced by plaintiffs.
As noted by the majority, the underlying personal injury action arose from injuries sustained by Mark Dzielski (plaintiff) when he fell from a loading dock after exiting the rear door of a *1496nightclub owned and operated by defendant’s insured. On the night in question, plaintiff, an independent contractor, had provided sound reinforcement services, which included setting up sound equipment, for a band that had performed at the nightclub. The accident occurred while plaintiff was in the process of removing his sound equipment from the nightclub at the conclusion of the show. According to plaintiffs, the accident was caused by the defective nature of the loading dock. Plaintiffs commenced the underlying personal injury action against defendant’s insured, and the insured defaulted. Thereafter, plaintiffs commenced this action seeking judgment declaring that defendant is obligated to indemnify its insured in the underlying action. Supreme Court granted plaintiffs’ motion for summary judgment and denied defendant’s cross motion for summary judgment, awarding judgment to plaintiffs in the amount of the default judgment entered against defendant’s insured in the underlying action, i.e., $950,000, together with interest and costs.
“Where the provisions of an insurance contract are clear and unambiguous, the courts should not strain to superimpose an unnatural or unreasonable construction” (Maurice Goldman & Sons v Hanover Ins. Co., 80 NY2d 986, 987 [1992]). Here, defendant disclaimed coverage to its insured based on an exclusion in the policy’s “Restaurant, Bar, Tavern, Night Clubs, Fraternal and Social Clubs Endorsement.” That exclusion provides in relevant part that “[t]he coverage under this policy does not apply to ‘bodily injury,’ ... or any injury, loss or damage arising out of.. . [ijnjury to any entertainer, stage hand, crew, independent contractor, or spectator, patron or customer who participates in or is a part of any athletic event, demonstration, show, competition or contest” (emphasis added). The exclusion thus applies where two conditions are met: (1) the injured party is an entertainer, stage hand, crew member, independent contractor, spectator, patron or customer who “participates in or is a part of’ an athletic event, demonstration, show, competition or contest; and (2) the injury “arises out of’ such participation.
Contrary to the conclusion of the majority, we conclude that the language “participates in or is a part of any . . . show” is not ambiguous, and that plaintiff falls squarely within that language. As noted above, plaintiff was hired by the band to provide sound reinforcement services for the show, and thus there is no question that he “participate[d] in or [wa]s a part of’ the show on the night of his accident. The majority’s conclusion that such clause may “reasonably be read narrowly to *1497encompass only those persons who actually performed in the show or were injured as a result of activities occurring during the show” is not supported by the plain language of the exclusion. First, if the exclusion was intended to apply only to those persons who “actually performed” in a show, then the language “spectator, patron or customer” in the exclusion would be superfluous. Second, such an interpretation imposes a temporal limitation on the exclusion where no such limitation appears therein. Indeed, if defendant had intended to limit the exclusion in that manner, it could have done so explicitly as it did in other provisions of the policy (see Maroney v New York Cent. Mut. Fire Ins. Co., 5 NY3d 467, 473 [2005]). For example, the policy’s medical payments coverage provision specifically excludes expenses for bodily injury “[t]o a person injured while taking part in athletics” (emphasis added). Similarly, the policy’s “combination endorsement” excludes expenses for bodily injury or personal injury to any person “while practicing for or participating in any event or function of a sporting or athletic nature” (emphasis added). Here, by contrast, the absence of such limiting language in the exclusion in question reflects an intent to provide a broad exclusion for all injuries arising from participation in shows or other special events (see Maroney, 5 NY3d at 473).
We further conclude that plaintiffs injury “ar[o]se[ ] out of’ his participation in the show within the meaning of the exclusion. In the insurance context, the phrase “arising out of’ has been broadly interpreted to mean “originating from, incident to, or having connection with” (Maroney, 5 NY3d at 472 [internal quotation marks omitted]; see Regal Constr. Corp. v National Union Fire Ins. Co. of Pittsburgh, PA, 15 NY3d 34, 38 [2010]). Here, plaintiffs accident occurred while he was in the process of removing his sound equipment from the nightclub. The process of packing up and removing sound equipment at the conclusion of a show necessarily “originat[es] from, [is] incident to, or ha[s] connection with” the show (Maroney, 5 NY3d at 472 [internal quotation marks omitted]). The fact that plaintiffs accident was allegedly caused by the defective nature of the loading dock rather than any condition of the show itself does not remove plaintiff’s injury from the policy exclusion. “[T]he focus of the inquiry ‘is not on the precise cause of the accident but the general nature of the operation in the course of which the injury was sustained’ ” (Regal Constr. Corp., 15 NY3d at 38). Indeed, “the phrase ‘arising out of . . . requires only that there be some causal relationship between the injury and the risk for which coverage is provided” (Maroney, 5 NY3d at 472), and such a causal relationship clearly exists here. Present — Scudder, EJ., Centra, Fahey, Peradotto and Lindley, JJ.