INSURANCE DEFINIATIONS

What Is an
Additional Insured?

An Additional Insured is a person or organization added to another person's insurance policy who receives certain liability protections under that policy.

Additional Insureds are commonly required by contracts.

When is Additional Insured used?

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Property Owners
General Contractors
Municipalities
Landlords
Project Owners
Vendors

Example

A contractor is renovating a commercial building.

The building owner requires the contractor to provide:

  • Certificate of Insurance
  • Additional Insured Endorsement

This gives the property owner certain liability protections under the contractor's policy.

Common Policy

Commercial General Liability

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Commercial Auto

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Umbrella Liability

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RELATED TERMS

Certificate of Insurance

A document that provides proof of insurance coverage.

Named Insured

The person or organization listed on the policy as the primary insured.

Endorsement

An addition or change to a policy that modifies or adds coverage.

Have Questions About Additional Insureds?

Our licensed advisors can review your policy, explain your options, and help ensure you meet contract requirements.

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