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When a client or landlord asks to be named as an additional insured on your business policy, they are asking for a specific extension of your coverage to them. It is a routine request in many contracts, and understanding it helps you respond correctly.
Adding someone as an additional insured extends certain protections of your liability policy to that party for claims connected to your work. If a customer is sued over something related to a job you performed for them, your policy may help defend them.
The party wants assurance that your insurance, not theirs, responds if your work leads to a claim. It is common in construction, leasing, and vendor agreements, and is usually documented on your certificate of insurance.
Before you sign a contract with insurance requirements, make sure your policy can meet them. Explore business insurance or start a quote.
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