Additional Insured on a General Liability Policy
The additional insured language in a general liability policy will vary with each insurance company. Here are a few examples of the blanket additional insured endorsements in general liability policies.
Example one
- 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”.’
Example two
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. However, no such person or organization is an additional insured under this provision if such person or organization is included as an additional insured by an endorsement issued by us and made a part of this Coverage Part, including all persons or organizations added as additional insureds under the specific additional insured coverage grants in Section
Example three
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.
The key is that your firm knows what your additional insured language is in your general liability policy. If you have any questions about additional insured please call or email your Professional Underwriters agent for assistance.