A contractor asked for Additional Insured wording.
A general contractor or client says they need to be added as an "Additional Insured" — maybe with a "Waiver of Subrogation" too. Here's what that means and how we handle it.
What they're actually asking for
Additional Insured
An endorsement that extends your liability coverage to also protect the other party (like a GC or property owner) for claims arising from your work.
Waiver of Subrogation
An endorsement where your insurer agrees not to pursue the other party to recover a claim payment. Many contracts require it alongside Additional Insured.
Primary & Non-Contributory
Wording that makes your policy pay first, before the other party's coverage. Contracts often request this exact phrase.
What we need from you
- The exact legal name(s) and address to add.
- The contract or the specific wording they require.
- Whether they need Waiver of Subrogation and/or Primary & Non-Contributory.
- Your deadline.
Need it today? Let's go.
Start a quote or call and we'll get your proof of insurance out fast.
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Additional Insured Wording FAQs
What's the difference between certificate holder and Additional Insured?
A certificate holder just receives proof of insurance; an Additional Insured is actually added to your policy's liability protection via endorsement.
Is there a cost to add an Additional Insured?
Sometimes a small fee depending on the carrier and endorsement; we'll tell you upfront.
Can you match the exact contract wording?
Send us the contract language and we'll line up the right endorsements (Additional Insured, Waiver of Subrogation, Primary & Non-Contributory).
General information, not a quote or policy. Coverage, limits, and endorsements vary by state and carrier and are confirmed when you apply.