What is Additional Insured?
Insurance glossary entry on BeCovered.ai for the term "Additional Insured": A person or organization gaining certain rights under your liability policy via endorsement—not a policyholder. Scope: plain-language meaning for coverage discussions; confirm definitions on your policy forms.
A person or organization gaining certain rights under your liability policy via endorsement—not a policyholder.
Understanding Additional Insured
AI status is contract-driven (leases, construction). Coverage is limited to liability arising out of your work or premises per endorsement wording—ongoing vs completed operations distinctions matter.
Examples
- Vendor adds client as additional insured on GL for project duration.
- Landlord additional insured on tenant GL for premises liability arising from tenant ops.
Common Questions About Additional Insured
AI vs named insured?
Named insureds control the policy; AIs receive defense/indemnity only as broadly as the endorsement grants.
Does AI get direct billing?
They notify carrier of claim; rights follow endorsement—some endorsements are narrow.
Related Insurance Types
Related Terms
Endorsement
An add-on or modification to your insurance policy that changes or expands your coverage.
Liability
Legal responsibility for causing harm or damage to another person or their property.
Certificate of Insurance (COI)
Summary document evidencing coverage—it is informational, not a guarantee of coverage to certificate holders.
Claim
A formal request to your insurance company for payment or coverage for a loss or policy event.