Additional Insured Language in a General Liability Policy for Architects and Engineers
Most general liability policies for architects and engineers are geared specifically towards the specific industry so the wording of additional insured may look slightly different than it would for a contractor. Here are a few examples of the additional insured language in policies.
- 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”.
- The following is added to SECTION II – WHO IS AN INSURED:
Any person or organization that you agree in a “written contract requiring insurance” to include as an additional insured on this Coverage Part, but:
- Only with respect to liability for “bodily injury”, “property damage” or “personal injury”; and
- If, and only to the extent that, the injury or damage is caused by acts or omissions of you or your subcontractor in the performance of “your work” to which the “written contract requiring insurance” applies, or in connection with premises owned by or rented to you.
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. A person or organization is an additional insured under this provision only for that period of time required by the contract, agreement or permit.
In all three examples the additional insured must be required by written contract. However, this is quite common in a contract for design professionals. If you have any questions or concerns about additional insured, please call or email your Professional Underwriter agent.