Additional Insured

Someone added to your liability policy (like a client or landlord) so they’re protected for claims arising from your work.

An additional insured is someone added to your liability policy — often a client, landlord, or general contractor — so they’re protected for claims that arise out of your work or your relationship with them.

Contracts frequently require it: a property owner might insist that you name them as an additional insured so that if your operations lead to a lawsuit, your policy defends and covers them too. It’s a real extension of coverage, which is what separates it from merely being a certificate holder.

The details matter — the specific endorsement form dictates whether it covers ongoing work, completed work, or both, so the wording should match what the contract actually demands.

COI vs. additional insured →

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.