Additional insured,
defined.
An additional insured is a person or business added to another party's insurance policy by endorsement, extending certain coverage to them. commercial contracts, where a client, landlord, or general contractor requires the named insured to add them so they are protected under the policy for covered claims arising from the insured's work.
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How additional insured status works
A business adds an additional insured by endorsement, and the certificate of insurance then shows that status to the requesting party. The scope of coverage extended depends on the endorsement form used.
Additional insured status is different from being a named insured; it usually grants limited coverage tied to the named insured's operations, not the full policy.
Common questions
What is the difference between an additional insured and a certificate holder?
A certificate holder simply receives proof that a policy exists. An additional insured is actually added to the policy by endorsement and gains certain coverage under it. A holder is informed; an additional insured is covered.
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