Endorsements name upstream parties as insureds under the subcontractor's policy for liability arising from the named insured's work. Coverage scope depends on the endorsement form and whether ongoing or completed operations are included.
Form versions differ substantially in breadth.
Alternative Names:
Additional Insured Endorsement|AI Coverage
Why it Matters?
Endorsement form version determines whether coverage reaches the additional insured's own negligence, and newer forms limit coverage to liability caused by the named insured's acts, which narrows protection substantially compared to earlier arising-out-of language. Completed operations coverage is separately critical for defect claims surfacing after the project ends, and its absence leaves the upstream party uncovered precisely when construction defect claims arrive.
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Frequently asked questions
Why does the endorsement form version matter?
Why is completed operations coverage critical?
