Additional Insured
Definition. Additional Insured is a third party (landlord, client, vendor) named on your liability policy as also being covered.
Also known as: AI, Additional Insured Endorsement
Routine commercial lease and contract requirement. Most carriers issue Additional Insured endorsements at no charge. Important: "Additional Insured" is distinct from "Certificate Holder" — the latter only proves you have coverage; the former actually extends coverage to that party.
Example
Landlord requires being named Additional Insured on tenant's GL policy. Without it, a customer slip-and-fall at the leased property would not trigger coverage for the landlord.
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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