Additional Insured Endorsements on General Liability Policies
Not all additional insured endorsements are the same, each insurance company has their own endorsements or the language may even be included in the policy rather than added by endorsement.
Example one:
Additional Insureds When Required By Written Contract, Written Agreement Or Permit
The person(s) or organization(s) identified in Paragraphs a. through f. below are additional insureds when you have agreed, in a written contract, written agreement or because of a permit issued by a state or political subdivision, that such person or organization be added as an additional insured on your policy, provided the injury or damage occurs subsequent to the execution of the contract or agreement, or the issuance of the permit.
Example two:
- WHO IS AN INSURED is amended to include as an additional insured any person or organization that you agree in a contract or agreement requiring insurance to include as an additional insured on this policy, but only with respect to liability for “bodily injury”, “property damage” or “personal and advertising injury” caused in whole or in part by you or those acting on your behalf:
- In the performance of your ongoing operations;
- In connection with premises owned by or rented to you; or
- In connection with “your work” and included within the “product-completed operations hazard”.
Most policies are going to require that there is a contract in place to be included under a blanket additional insured endorsement. If there isn’t a contract but there still needs to be an additional insured, your firm may be able to list an additional insured under a scheduled list of additional insured’s.
Verify on your policy what type of additional insured endorsement or language your firm has. Also, keep in mind the additional insured language will not apply to a professional liability policy. If you have any questions with regards to additional insured please call or email your Professional Underwriters agent for assistance.
