What Is Additional Insured?
An additional insured is a person or business added to someone else’s policy so they are covered for liability arising from that policyholder’s work: common when a client or landlord requires it in a contract. It is usually confirmed on a certificate of insurance.
Frequently asked questions
What does it mean to be an additional insured?
Being an additional insured means you are covered under someone else's liability policy for claims arising from that policyholder's work or operations. It gives you rights under their policy, so you do not have to rely only on suing them.
What is the difference between a named insured and an additional insured?
The named insured owns and controls the policy and pays the premium. An additional insured is added for a specific purpose, usually because a contract requires it, and its coverage is limited to liability arising from the named insured's work.
Who asks to be added as an additional insured?
Landlords, general contractors, property managers, and municipalities commonly ask to be added as additional insureds in Ontario contracts. It is usually confirmed on a certificate of insurance and often requested together with a waiver of subrogation.
Questions about Additional Insured?
Our Ontario brokers can explain how it applies to your policy.
Talk to a Roughley broker