| Any agency that sells commercial liability insurance (that is, pretty much all of you) gets requests from its clients to name some person or organization as an additional insured. I've said it before and I'll say it again - America used to be a country where everyone dreamed of being rich; now it's a country where everyone dreams of being an additional insured.
When someone is an additional insured on a liability insurance policy, the insurance carrier is assuming some of their loss exposures. Consequently, underwriters rightly want to know why they should provide coverage for these parties.
To make it easier for you to give them the information they need, we've created a REQUEST TO ADD COVERAGE FOR AN ADDITIONAL INSURED TO GENERAL LIABILITY POLICY form. The one-page form asks for the proposed additional insured's name and address, a brief description of their interest in the coverage, whether there is a written contract requiring the coverage, and the nature of the relationship with the named insured. This last question helps pinpoint the correct endorsement to use.
The form is always available for you to download under the "Tools" tab on the E&O Tools page in this website. We hope it makes handling these requests a little easier for your agencies.
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