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📄 '''Additional insured endorsement''' is a modification attached to a [[Definition:Commercial general liability (CGL) insurance | commercial general liability]] or other [[Definition:Liability insurance | liability policy]] that extends coverage to a party beyond the [[Definition:Named insured | named insured]], granting that additional party certain rights under the policy without requiring them to purchase a separate [[Definition:Insurance policy | policy]]. In insurance practice, these endorsements are ubiquitous in [[Definition:Commercial insurance | commercial]] relationships — property owners routinely require tenants to add them, general contractors require the same of subcontractors, and event venues demand it from organizers. The additional insured gains protection against [[Definition:Third-party claim | third-party claims]] arising from the named insured's operations, products, or premises, depending on the endorsement's specific language.

🔧 The scope of coverage provided hinges entirely on the endorsement form used. Standardized forms published by the [[Definition:Insurance Services Office (ISO) | Insurance Services Office (ISO)]] — such as CG 20 10 (ongoing operations) and CG 20 37 (completed operations) — define the boundaries differently, and insurers sometimes use proprietary forms that may be broader or narrower. A critical distinction is whether the endorsement covers the additional insured only for [[Definition:Vicarious liability | vicarious liability]] arising out of the named insured's acts, or whether it extends to the additional insured's own [[Definition:Negligence | negligence]] as well. Courts have litigated this boundary extensively, and [[Definition:Underwriter | underwriters]] must carefully match the endorsement language to the [[Definition:Contractual risk transfer | contractual risk transfer]] obligations specified in the underlying business agreement. The [[Definition:Certificate of insurance | certificate of insurance]] confirms the endorsement's existence but does not itself confer coverage.

⚡ Failing to properly secure an additional insured endorsement — or securing one with inadequate scope — can leave a party exposed to significant uninsured liability, particularly in construction, real estate, and professional services. For [[Definition:Insurance broker | brokers]] and [[Definition:Risk manager | risk managers]], verifying endorsement language against contractual requirements is a core competency and a common source of [[Definition:Errors and omissions (E&O) insurance | errors and omissions]] claims when overlooked. On the carrier side, every additional insured endorsement broadens the universe of potential [[Definition:Claimant | claimants]] who can access the policy's [[Definition:Policy limit | limits]], which has direct implications for [[Definition:Loss reserving | loss reserving]] and [[Definition:Reinsurance | reinsurance]] recoveries.

'''Related concepts:'''
{{Div col|colwidth=20em}}
* [[Definition:Named insured]]
* [[Definition:Certificate of insurance]]
* [[Definition:Contractual risk transfer]]
* [[Definition:Commercial general liability (CGL) insurance]]
* [[Definition:Waiver of subrogation]]
* [[Definition:Blanket additional insured endorsement]]
{{Div col end}}

Definition:Additional insured endorsement - Revision history

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