Additional Insured (AI)
A person or company, like a client or owner, added to your policy so they can also be protected for claims arising from your work.
What it means for your firm
Contracts often require it on general liability, auto and umbrella policies. It is usually added by endorsement, sometimes on a blanket basis.
Being named as certificate holder is not the same as being an additional insured.
Articles that explain it
The Certificate Isn’t the Coverage: Why a Certificate of Insurance Doesn’t Add an Additional Insured Your Lease Requires Additional Insured, Primary Non-Contributory and Waiver of Subrogation. Where Do You Find Them on Your Policy? Certificate Holder vs. Additional Insured: What Your Client Actually Needs (and How to Request a COI) Why You Usually Can’t Add an Additional Insured to Your Professional Liability Policy OCP vs. Additional Insured: What’s the Difference? When a Compliance Vendor Keeps Rejecting Your Certificate
General definition for education only. It is not an interpretation of any policy or contract, and it is not legal advice. The wording of your own policy and contract controls. Policies and definitions vary by insurance company.
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