Additional insured
Someone added to your liability policy by endorsement, usually because a contract asked for it.
What it means
An additional insured is not the named insured. They get a slice of coverage described in an endorsement—often only for liability arising out of your work or premises. The endorsement number (CG 20 10, CG 20 37, a BOP equivalent) matters more than the phrase on a certificate.
Why it shows up
Landlords, general contractors, franchisors, and venues ask to be added so a claim that starts with your operations can also defend them. Coverbird’s job is to find whether the endorsement is actually on the policy you uploaded.
What to look for
- The exact form number on the forms schedule
- A schedule of names versus automatic/blanket status
- Ongoing operations versus completed operations
Coverbird reads the declarations and form schedule on the PDF you already have. It does not sell insurance or say whether a limit is enough.
Upload a policy to find this on yoursForms that implement this
- CG 20 10 — Additional Insured — Owners, Lessees or Contractors — Scheduled Person or Organization
- CG 20 37 — Additional Insured — Owners, Lessees or Contractors — Completed Operations
- CG 20 26 — Additional Insured — Designated Person or Organization
- CG 20 33 — Additional Insured — Owners, Lessees or Contractors — Automatic Status When Required in Construction Agreement
- BP 04 48 — Additional Insured — Owners, Lessees or Contractors
Related terms
- Certificate of insurance
A snapshot someone else asked for. It is not the policy and does not change the policy.
- Primary and noncontributory
Wording that says your policy should respond first and not seek contribution from the additional insured’s own policy.
- Named insured
The person or entity listed first on the declarations as the policyholder.