FAQ: Why Add an ‘Additional Insured’ on Your Business Insurance Policy

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Businesses must work with other businesses to operate on a daily basis. For example, when a contractor builds a home, they must use the work of sub-contractors for materials or labor for the project. These businesses sign contracts or agreements prior to any work being completed. The different companies may be at the same place at the same time, and they all need to be covered against risk. In this post, Gregg S. Marcus, a Long Island Insurance Executive explains why a business will add an additional insured on their commercial policy.

Additional insured endorsements are added to protect the mutual customer of each individual business. One party will add the other on their commercial liability business insurance policy as an “additional insured.” By adding an entity to your policy as an additional insured you are protecting that entity against your company’s negligence. By having another entity add your business as an additional insured that company is protecting you against their negligence. This most commonly occurs between event promoters, commercial landlords, construction contractors or another business that involves independent contractors or sub-contractors.

An additional insured status must be added by certificate and endorsement. This means there is a formal process to follow with your insurer and you must be sure those businesses you work with who claim to have added you have actually done so. Also make sure to actually see the actual endorsement and not just “proof” of insurance. Adding additional insured status does not mean that the other party does not need insurance. It means that the additional insured has controlled the risk of the other entity’s negligence and their own business insurance policy will protect against their own negligence. An entity listed an an additional insured does not give the same rights under the policy as an “insured” or “named insured” would.

If your business enters into a project with another business or contracts with another business on an endeavor, never assume the other business has liability coverage! If you are a business owner in Nassau County or Suffolk County on Long Island in New York, and are interested in a commercial policy, contact Gregg S. Marcus today for a quote.

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