Navigating Through the 'Additional Insured' Endorsement

Robert J. Foster, Partner in Reger Rizzo & Darnall's Insurance Practices Group, recently authored an article for the August 29, 2016 edition of the Legal Intelligencer entitled, Navigating Through the 'Additional Insured' Endorsement.

In the article Mr. Foster discusses the fact that most contracts contain a requirement that one or both entities be listed as an “additional insured” on the other’s insurance policy. However, if litigation should arise, most companies find out that the “certificate of insurance” naming it as an “additional insured” is not worth the paper it is printed on. Sometimes this is due to a very narrowly drafted “additional insured” endorsement, but other times it is due to a very conservative claims adjuster looking to cap his company’s exposure. Mr. Foster goes on to identify the different “additional insured” endorsements, discuss suggested language for getting the ideal language and provides some basic litigation strategies to properly make a claim for coverage.