Understanding Additional Insured Coverage—Why the Form, the Language, and the Date Matter
In this informative episode of Alliance Insights, host Noelle Codispoti is joined by Alliance faculty member and insurance industry expert Cathy Trischan for Part I of a deep dive into one of the most complex topics in commercial insurance: additional insured coverage for contractors.
Cathy draws on decades of agency experience to break down why additional insured requests so often create challenges for agents and underwriters and explores the critical differences between ongoing and completed operations coverage, the impact of “arising out of” versus “caused in whole or in part” language, and why understanding endorsement edition dates matters more than ever. Cathy also shares real-world claim examples that illustrate how courts have interpreted additional insured language—sometimes in ways that surprise even seasoned professionals.
Tune in to gain practical insights into endorsement history, contract-driven coverage demands, and the key questions agents should be asking when insuring contractors. This foundational episode sets the stage for Part II, where the conversation continues with a closer look at specific ISO endorsements and insurer proprietary forms.
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