How do I list someone as additional insured?

Asked by: Sophie Block  |  Last update: June 30, 2025
Score: 4.2/5 (24 votes)

Once you know the name and address of the company or individual that you want to add to your coverage, get in contact with your insurer and make the request. Even though you're not taking out a new policy, the endorsement will appear as a separate document under your policy.

How to be added as an additional insured?

To add an AI to a CGL policy, the named insured should contact their insurer and provide the party's name and address. The cost to list an AI varies depending on the insurance company but can be as low as $50. Some insurers even permit policyholders to pay a flat rate and add as many as they would like.

How much does it cost to add someone as an additional insured?

Additional Insured – Owners, Lessees or Contractors – Scheduled Person or Organization (CG2010 4/13) Normally Included in most policies and are provided for Free.

How do you name an additional insured?

These new individuals or groups are added to the policy through an amendment called an endorsement. The amendment may name the additional insured within the policy. However, other policies may use a blanket additional insured endorsement, which doesn't require the additional insured party to be named in the amendment.

Should I add someone as an additional insured?

Don't put them as an additional insured. Their name will be included on any claim check your receive and you won't be able to cash it without their signature.

Additional Insured Explained

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What is the risk of adding an additional insured?

There is also a risk of being under-insured or uninsured as additional insureds. Second, there is the risk of breaching a contract, thus potentially becoming the insurer of the other party when they are the party obligated to provide additional insured coverage.

How hard is it to add someone to insurance?

You can typically make a change to your policy at any time to add a new driver at your residence, such as a teenage child, or a driver that just started driving your car regularly. Adding a driver to your insurance policy means they're an insured driver under your policy when they drive your car.

Why list someone as an additional insured?

The main benefit of an additional insured endorsement is that it will reduce the impact of the policy owner's loss history since the additional insured status serves to make sure that the financial responsibility of the claim is placed on the policy of the party that is most likely to be responsible for the claim.

Who needs to be listed as additional insured?

The bottom line is if you are having anyone work on your property as a contractor, tenant, or as a vendor, they need to name you as an additional insured on their insurance policy AND you need to verify that on the COI they give you BEFORE they do any work whatsoever.

Why do landlords want to be listed as additional insured?

By adding your landlord as an additional insured, you provide them with an extra layer of protection and streamline the claims process if any unforeseen incidents occur. Ensure you carefully review your lease agreement, communicate with your insurance provider, and obtain proof of additional insured coverage.

Should my contractor add me as an additional insured?

Property owners, both commercial and residential, commonly require any contractor working on their property to deliver a “certificate of insurance” naming the property owner as an “additional insured.” This often arises when a resident owner wishes to renovate his/her apartment in a co-op or condo building or an ...

Will my insurance go up if I add someone?

Adding a new driver to your existing policy could also drive up your price, especially adding teen drivers or someone with a poor driving record.

Why is there no additional insured on professional liability?

Your insurance company will likely refuse to add your client as an additional insured. It will argue that your client is not a licensed design professional, cannot be held to the standard of care of such a professional and therefore cannot be insured under the policy for negligence acts, errors or omissions.

Does it cost money to add an additional insured?

Adding a loss payee to a policy will not generally cost extra since it creates no additional risk. If you are adding an additional insured, your premium will increase. Adding a loss payee to a policy will not generally cost extra since it creates no additional risk.

Can I add an LLC as additional insured?

Also, listing the trust or LLC as “Additional Insured” means that the trust or LLC and the individuals can be covered in one policy. However, a downside for this case is that there is less separation between the individuals and the entity itself as there is with listing the trust or LLC as “Named Insured”.

Can you be an additional insured without a contract?

There is no additional insured status unless there is a contract or agreement which requires it. Many blanket additional insured endorsements are insurer proprietary endorsements, not ISO endorsements.

How do I add someone as an additional insured?

To add an additional insured to an insurance policy, consult an Insureon insurance agent and review the policy, identify whether an additional insured can be added, and assess the level of coverage the additional insured is requesting. You'll typically need to fill out an additional insured endorsement form.

Can anyone be added to an insurance policy?

Dependents for health insurance plans typically include spouses, children, stepchildren, adopted children, and foster children. In some situations, you can add non-family members to a health insurance plan if they're a domestic partner, in a civil union, or financially dependent on the policyholder.

What is the difference between an additional insured and a certificate holder?

Certi cate holders hold proof of insurance, or certi cates of insurance (COIs), from insureds they are working with while additional insureds are those who have coverage extended to them through the “named insured's” policy.

What are the risks of naming an additional insured?

If a judgement were to arise against both parties you would both pay out from the same set of limits on your policy. Instead of the named insured carrying a dedication 1 million for each occurrence its carrying 1 million per occurrence that may need to be shared with the additional insured involved in the claim.

What is an additional insured for dummies?

Additional insured works similarly to when you get into a car accident, and the other person is at fault. In that case, you file a claim with their insurer. Then they have to pay any deductibles, and their insurance company has to pay to repair your car. The accident and claim filed go onto their record, not yours.

Who may be included on a homeowners policy as an additional insured?

Anyone who lives in your home, or has a financial stake in your home, can typically qualify for additional insured status. Of course, if they're your married partner, your blood relative or adopted child, they'll already be included in your policy as long as your home is their primary residence.

Can my husband drive my car if he is not on my insurance?

Usually, yes. Your car insurance coverage should be able to extend to anyone else driving your car. Even if someone isn't listed on the policy, they can operate your vehicle. If you explicitly name someone as an excluded driver in your policy, however, none of this applies to them.

How much does it cost to add someone to an insurance?

Most car insurance companies won't charge a fee to add more drivers to your policy, but each driver that you add to your policy impacts your policy price.

What happens if I don't add my teenager to my car insurance?

Failing to add your teenager to your auto insurance can lead to coverage denial, legal penalties and policy cancellation. Lack of driving experience and perceived higher risk contribute to higher car premiums for teen drivers.