A blanket
additional insured endorsement is most commonly found in liability insurance policies, though it is typically not a common feature of the policy language.
An additional insured endorsement does not necessarily cover damage in all circumstances.
A blanket
additional insured endorsement is an insurance policy endorsement that automatically provides coverage to any party to which the named insured is contractually required to provide coverage.
An additional insured endorsement may provide no coverage for claims that are attributable to your negligence alone.
With
an additional insured endorsement, the additional insured will then be protected under the named insurer's policy and can file a claim in the event that they are sued.
XYZ won't let you start work on the project until it has received a copy of
the additional insured endorsement.
In this case, there was real value added by
the additional insured endorsement even though the language of the clause itself was restrictive.
The additional insured endorsement has its place, but that place is primarily in the world of commercial lines insurance and personal lines automobile policies, though only for leased vehicles.
[1] The most common
additional insured endorsements are generally speaking very restrictive in their application.
Additional insured endorsements should be carefully reviewed by your counsel to ensure that your interests are being protected.
Listed below are links to weblogs that reference
ADDITIONAL INSURED ENDORSEMENTS — NOT TO CROW ABOUT:
J. Craig Williams explains
additional insured endorsements in «Insurers Trying To Dodge The Bullet Don't Succeed.»
Michael Melendez discusses the first published opinion of a California appellate court that directly addresses whether the ongoing operations limitation in
additional insured endorsements precludes completed operations coverage.
The omnibus clause eliminates the need for
additional insured endorsements under a commercial auto policy.
Some insurers have developed their own
additional insured endorsements.
This clause eliminates the need for
additional insured endorsements under the BAP.
Blanket
additional insured endorsements do not require the named insured to identify the additional insured by name.
Not exact matches
Whether that's by definition,
endorsement, or adding an
additional named
insured is dependent on the particular situation you face.
We separately address the correct way to list an unmarried partner on renters insurance, but in short you can add them as either an
additional named
insured or by
endorsement.
Earthquake insurance in Oakland, in the form of an
endorsement on your renters policy, will cover not only your personal property that suffers a loss, but also your
additional living expenses like a hotel if that earth movement loss prevents you from using the
insured residence.
To properly
insure jewelry, engagement rings and other expensive items, consider purchasing
additional coverage through an economical floater or an
endorsement.
As this case demonstrates, such an
endorsement may still provide protection to an
additional insured even where the plaintiff has no direct claim against the named
insured.
A scheduled
endorsement contains a «schedule» in which the person or organization that is named in the schedule is added to the policy as an
additional insured.
The complex contractual relationships of the parties often calls for analysis of insurance coverage,
additional insured requirements and
endorsements as well as construction contract language.
Whether that's by definition,
endorsement, or adding an
additional named
insured is dependent on the particular situation you face.
For people living in a condo unit and working at home there is a special
endorsement insuring their home - based business and offering
additional liability.
You may need more insurance than you think, or you may want to add
additional endorsements for special valuables, artwork or collections you want
insured.
Additional insured status must be added by certificate and
endorsement.
If you're an individual or sole proprietor and you have a vehicle on your commercial auto insurance policy that you use for personal or non-business use, an Individual Named
Insured Endorsement is automatically included on your policy - at no
additional cost.
Your insurer adds an
endorsement to your policy that lists the GC as an
additional insured.
To properly
insure jewelry, engagement rings and other expensive items, consider purchasing
additional coverage through an economical floater or an
endorsement.
We separately address the correct way to list an unmarried partner on renters insurance, but in short you can add them as either an
additional named
insured or by
endorsement.
When this wording is included in the
endorsement, your firm may not be provided
additional insured coverage unless the contract specifically requires it.
If your policy does not include this language,
additional insureds may be added to your policy via an
endorsement.
The scope of coverage afforded to an
additional insured under your policy depends on the language contained in the
endorsement.
If the
additional insured is your landlord, your insurer will probably use an
endorsement covering lessors of premises.
The type of
endorsement your insurer uses will depend on the relationship between you and the
additional insured.
Additional insured status is an
endorsement to a certificate of liability.
If an individual or business requests to be added as an
additional insured, the
endorsement goes into the lower box marked «
additional insured.»
A common
endorsement for your commercial policy is adding an
additional insured, which means another person or company with whom you do business would be covered under your policy if he suffers a loss while engaged in business with you.
If the personal property limits of your policy aren't adequate to
insure your drone, you may be able to buy
additional coverage in the form of a rider or an
endorsement to your policy.
Collecting and reviewing
Additional Insured, Waiver of Subrogation, and Primary and Non-Contributory
endorsements ensures that contractual liability coverage is in place.
Also, make the contractor name you or your entity as
additional insured on their policy and provide you with insurance certificates and
endorsements prior to starting work.