The Additional Insured Endorsement

Abstract

Additional Insured Endorsements differ from each other and reflect a great discrepancy in the breadth of coverage provided to additional insureds. A typical construction contract almost always contains a clause providing for the indemnification of the general contractor by the subcontractor for all claims, damages or losses arising out of the performance of the subcontractor's operations. This article explains who is actually covered in a dispute. It is the actual wording or lack of wording in a construction contract that requires the subcontractor to list another organization, entity or general contractor together with the language in the additional insured endorsement, that is the first step in determining who is actually covered in a dispute.

Keywords: Construction Contracts, Additional Insured, Endorsements, Indemnification