Additional Insured Template

The Additional Insured form is a crucial document in the realm of liability insurance, specifically designed to extend coverage to other parties involved in a project or operation. This endorsement modifies the existing insurance policy, ensuring that owners, lessees, or contractors are protected against liabilities arising from completed operations. Understanding this form is essential for anyone navigating contractual agreements, so take the next step and fill out the form by clicking the button below.

Table of Contents

The Additional Insured form, specifically the Commercial General Liability CG 20 37 04 13 endorsement, plays a critical role in defining the scope of insurance coverage for various parties involved in a project. This form allows for the inclusion of owners, lessees, or contractors as additional insureds, particularly in relation to completed operations. It modifies the standard Commercial General Liability Coverage by extending protection against bodily injury or property damage that may arise from the work performed for the additional insured at a specified location. The endorsement emphasizes that the coverage is subject to the limits set forth in the policy and any contractual obligations that may dictate the extent of coverage. Importantly, if a contract requires broader coverage, the insurance provided will not exceed what is mandated. The form also stipulates that the maximum amount payable to the additional insured is determined by the lesser of the contract requirements or the policy limits. Understanding these key aspects is essential for parties looking to navigate liability issues effectively and ensure adequate protection throughout the course of a project.

Additional Insured Sample

POLICY NUMBER:

COMMERCIAL GENERAL LIABILITY

CG 20 37 04 13

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 20 37 04 13

Page 1 of 1

ADDITIONAL INSURED – OWNERS, LESSEES OR

CONTRACTORS – COMPLETED OPERATIONS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

SCHEDULE

Name Of Additional Insured Person(s)

Or Organization(s)

Location And Description Of Completed Operations

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

A. Section II – Who Is An Insured is amended to

include as an additional insured the person(s) or

organization(s) shown in the Schedule, but only

with respect to liability for "bodily injury" or

"property damage" caused, in whole or in part, by

"your work" at the location designated and

described in the Schedule of this endorsement

performed for that additional insured and

included in the "products-completed operations

hazard".

However:

1. The insurance afforded to such additional

insured only applies to the extent permitted

by law; and

2. If coverage provided to the additional insured

is required by a contract or agreement, the

insurance afforded to such additional insured

will not be broader than that which you are

required by the contract or agreement to

provide for such additional insured.

B. With respect to the insurance afforded to these

additional insureds, the following is added to

Section III – Limits Of Insurance:

If coverage provided to the additional insured is

required by a contract or agreement, the most we

will pay on behalf of the additional insured is the

amount of insurance:

1. Required by the contract or agreement; or

2. Available under the applicable Limits of

Insurance shown in the Declarations;

whichever is less.

This endorsement shall not increase the applicable

Limits of Insurance shown in the Declarations.

▼ Additional Insured PDF Form

Document Attributes

Fact Name	Description	Governing Law
Purpose of Additional Insured	This endorsement allows a third party, such as an owner or contractor, to be covered under a primary policy for specific liabilities arising from completed operations.	Varies by state
Scope of Coverage	The coverage applies only to bodily injury or property damage caused by the named insured's work at the location specified in the endorsement.	Varies by state
Contractual Requirements	If the additional insured status is required by a contract, the coverage will not exceed what is stipulated in that contract.	Varies by state
Limits of Insurance	The maximum amount payable to the additional insured is either the limit required by the contract or the available limit in the policy, whichever is lower.	Varies by state
Modification of Policy	This endorsement modifies the existing commercial general liability coverage, emphasizing the specific nature of additional insured coverage.	Varies by state
Documentation Requirement	Information necessary to complete the endorsement schedule may be found in the policy declarations, ensuring clarity on the additional insured's identity and operations.	Varies by state

Additional Insured: Usage Instruction

Filling out the Additional Insured form is a straightforward process, but it’s essential to provide accurate information to ensure proper coverage. Once you have completed the form, it will be submitted to your insurance provider for processing. Here’s how to fill it out step by step.

Gather necessary information. Before you start, collect all relevant details, including the policy number, the name of the additional insured, and the location and description of the completed operations.
Locate the policy number. Find the section labeled "POLICY NUMBER" at the top of the form and enter your specific policy number for the Commercial General Liability.
Fill in the name of the additional insured. In the section titled "Name Of Additional Insured Person(s) Or Organization(s)," write the full name of the person or organization you are adding as an insured.
Provide location and description. In the "Location And Description Of Completed Operations" section, clearly describe the location where the work was performed and any relevant details about the completed operations.
Review your entries. Double-check all information for accuracy. Ensure that names and descriptions are spelled correctly and that all required fields are filled out.
Sign and date the form. At the bottom of the form, sign your name and date it to validate the submission.
Submit the form. Send the completed form to your insurance provider, either by mail or electronically, as per their submission guidelines.

Frequently Asked Questions

What is an Additional Insured form?

An Additional Insured form is an endorsement added to an insurance policy that extends coverage to another party, such as a property owner or contractor. This means that if a claim arises related to your work, the additional insured party can also benefit from your liability coverage.
Why would I need to add someone as an Additional Insured?

Adding someone as an additional insured is often required by contracts, especially in construction or service agreements. It protects the other party from potential claims arising from your work, ensuring they have some level of coverage if something goes wrong.
What types of claims does the Additional Insured form cover?

The coverage generally applies to claims related to bodily injury or property damage that occur as a result of your work. This includes incidents that happen at the designated location described in the endorsement.
Are there any limitations to the coverage provided?

Yes, there are limitations. The coverage for the additional insured is only effective to the extent permitted by law. Furthermore, if the coverage is required by a contract, it cannot exceed what is outlined in that contract.
How is the limit of insurance determined for an Additional Insured?

The limit of insurance for the additional insured is determined by the lesser of two amounts: the amount required by the contract or the available limits of insurance stated in the policy declarations. This means you won’t have to provide more coverage than what is legally required or what your policy allows.
Does adding an Additional Insured increase my insurance limits?

No, adding an additional insured does not increase your policy’s limits of insurance. The coverage for the additional insured is included within the existing limits of your policy.
How do I add someone as an Additional Insured?

To add someone as an additional insured, you typically need to request an endorsement from your insurance provider. This process may involve filling out specific forms and providing details about the additional insured, including their name and the nature of the work being performed.
Can I remove an Additional Insured once they are added?

Yes, you can remove an additional insured, but this usually requires a formal request to your insurance provider. It’s important to check your policy and any contracts to ensure you are not violating any terms by making this change.

Common mistakes

When filling out the Additional Insured form, individuals often overlook key details that can lead to complications down the line. One common mistake is failing to accurately identify the additional insured party. It is crucial to specify the correct name of the person or organization that is to be added as an additional insured. Omitting or misspelling this information can create significant issues regarding coverage. If a claim arises, the insurance company may deny coverage if the additional insured is not clearly identified.

Another frequent error involves neglecting to provide a complete description of the completed operations. This section is essential as it outlines the specific work performed for the additional insured. Without a detailed description, there could be ambiguity about what operations are covered. This lack of clarity might result in disputes when claims are filed, as the insurer may question whether the operations in question fall under the agreed coverage.

People also often fail to understand the limitations of the coverage provided to the additional insured. Many assume that the insurance will cover all potential liabilities, but this is not the case. The coverage is limited to what is required by the contract or agreement and cannot exceed the limits specified in the policy. This misunderstanding can lead to unexpected financial exposure for the insured if they are not aware of these limitations.

Lastly, individuals sometimes do not check the declarations page of their policy before completing the form. The declarations page contains vital information, including the limits of insurance and any specific requirements for additional insured coverage. Failing to reference this document can lead to filling out the Additional Insured form incorrectly, potentially resulting in inadequate coverage or non-compliance with contractual obligations. It is always advisable to review all relevant documents to ensure that the form is completed accurately and comprehensively.

Documents used along the form

The Additional Insured form is an important document in risk management and liability coverage. It allows a third party, such as a contractor or property owner, to be added to your insurance policy. This can provide them with coverage for certain liabilities arising from your work. Alongside this form, several other documents are commonly used to ensure comprehensive coverage and clarity in insurance agreements. Below is a list of related forms and documents.

Certificate of Insurance: This document serves as proof that an insurance policy is in effect. It includes key details such as the types of coverage, policy limits, and the insured parties. Often requested by clients or partners, it helps verify that the required insurance is active.
Indemnity Agreement: This contract involves one party agreeing to compensate another for certain damages or losses. In many cases, it protects the additional insured by ensuring that they are not financially responsible for liabilities arising from the primary insured's actions.
Contractor Agreement: This document outlines the terms and conditions between a contractor and a client. It often includes clauses related to insurance requirements, including the need for additional insured status, ensuring both parties are aware of their liabilities and responsibilities.
Endorsement Form: This form modifies an existing insurance policy to add or change coverage. It can be used to specify additional insured parties or adjust coverage limits, providing flexibility to meet specific contractual obligations.

Understanding these documents can help ensure that you have the appropriate coverage and protection in place. Each form plays a role in clarifying responsibilities and liabilities, ultimately contributing to a smoother business relationship.

Similar forms

The Additional Insured form is an important document in insurance, particularly in the context of commercial general liability. There are several other documents that share similarities with this form. Below is a list of eight such documents, each explained in terms of their relationship to the Additional Insured form.

Certificate of Insurance: This document provides proof of insurance coverage and can list additional insured parties. Like the Additional Insured form, it serves to protect parties involved in a contract.
Waiver of Subrogation: This agreement prevents an insurer from pursuing a third party for recovery after paying a claim. It complements the Additional Insured form by ensuring that the interests of additional insured parties are safeguarded.
Indemnity Agreement: This document outlines the responsibility of one party to compensate another for certain damages or losses. It is similar to the Additional Insured form in that it aims to protect parties from liability.
Additional Insured Endorsement: This is a broader category that includes various forms that extend coverage to additional insured parties. The Additional Insured form is a specific type of endorsement within this category.
Primary and Non-Contributory Endorsement: This endorsement establishes that the insurance policy will respond before any other insurance coverage. It works alongside the Additional Insured form to clarify coverage responsibilities.
Contractual Liability Coverage: This provision covers liabilities assumed under a contract. It is similar to the Additional Insured form as both deal with liability issues arising from contractual relationships.
Completed Operations Coverage: This insurance protects against liability for work completed. It directly relates to the Additional Insured form, which also addresses liability for completed operations.
Excess Liability Insurance: This type of insurance provides additional coverage beyond the limits of a primary policy. It can work in conjunction with the Additional Insured form to offer further protection to additional insured parties.

Dos and Don'ts

When filling out the Additional Insured form, consider the following guidelines to ensure accuracy and compliance.

Do provide the correct policy number at the top of the form.
Do clearly list the name of the additional insured person or organization.
Do specify the location and description of the completed operations.
Do ensure that the information matches the requirements of any relevant contracts.
Don't include any additional insureds that are not specified in the contract.
Don't leave any sections blank; fill out all required fields completely.
Don't assume coverage without confirming the limits of insurance as stated in the Declarations.
Don't provide broader coverage than what is required by the contract or agreement.

Misconceptions

Understanding the Additional Insured form is crucial for anyone involved in contracts or insurance. However, there are several misconceptions that can lead to confusion. Here are five common misunderstandings:

Additional Insured Automatically Means Full Coverage: Many believe that adding someone as an additional insured provides them with full coverage under your policy. In reality, the coverage is limited to specific circumstances outlined in the policy, such as work done for the additional insured.
All Types of Liability Are Covered: Some think that all liability claims are covered when someone is added as an additional insured. However, the coverage typically applies only to "bodily injury" or "property damage" related to your work, not to all potential liabilities.
Coverage Is Unlimited: It's a common myth that having an additional insured means there are no limits on coverage. The endorsement clearly states that coverage is limited to the amount specified in the contract or the limits of your policy, whichever is less.
It Covers Past Operations: Many assume that the additional insured coverage applies to past operations as well. However, the coverage is generally limited to completed operations that occur after the endorsement is added.
Additional Insureds Can Claim Directly: Some believe that additional insureds can file claims directly against the policy. In most cases, claims must be made through the primary insured, and the insurance company will handle the situation accordingly.

By understanding these misconceptions, you can navigate the complexities of the Additional Insured form more effectively and ensure proper coverage for all parties involved.

Key takeaways

When filling out and using the Additional Insured form, consider the following key takeaways:

Understand the Purpose: The Additional Insured endorsement extends coverage to other parties, protecting them against liability related to your work.
Identify Additional Insureds: Clearly specify the names of the individuals or organizations that will be added as insured parties in the schedule section.
Complete Operations Coverage: This endorsement applies specifically to completed operations, meaning it covers liability after your work has been finished.
Know the Limits: The coverage for additional insureds is limited to what is required by law or by the contract in place.
Contractual Obligations: If the additional insured status is required by a contract, the coverage cannot exceed what the contract stipulates.
Insurance Limits: The maximum amount payable to an additional insured is the lesser of the contract requirement or the limits stated in your policy.
Review the Endorsement: Always read the endorsement carefully to understand the specific changes it makes to your policy.
Documentation: Ensure that all necessary information is included in the Declarations to avoid coverage disputes later on.
Consult a Professional: If you have questions about how to complete the form or its implications, seek advice from a qualified insurance professional.