Additional-insured status is contractual risk transfer, not a free umbrella for the other party’s unrelated mistakes. Forms and endorsement editions matter. TennSure educates on the vocabulary — a licensed agent issues the endorsement.
Additional Insured
- What it means
- A person or organization added to someone else’s liability policy for limited protection related to the named insured’s work or premises, usually by endorsement.
- Tennessee example
- A Nashville general contractor asks your LLC to add their firm as additional insured on your general liability for the duration of a remodel job.
- Why it hits your wallet
- COI requests often hinge on this wording; misunderstanding it can stall a contract or leave a gap you thought was closed.