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Additional Insureds

BY Donald R. McMinn
October 02, 2014

As part of business agreements between companies, one company often will require that it be added to another's liability insurance policies as an additional insured. Given the frequency of these requests for additional-insured coverage, the insurance industry developed endorsements that extend additional-insured coverage to any entity for which a named policyholder has contractually obligated itself to procure coverage. These endorsements typically modify the “Who Is An Insured” provision. Many insurers use language in a “blanket” additional insured endorsement found in Commercial General Liability (“CGL”) coverage forms:

WHO IS AN INSURED is amended to include as an insured any person or organization for whom you are performing operations when you and such person or organization have agreed in writing in a contract or agreement that such person or organization be added as an additional insured on your policy. Such person or organization is an additional insured only with respect to liability arising out of your ongoing operations performed for that insured.

ISO Form 20 33 10 01 (2000)

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