Insurance 101 – Volume 66 – The Additional Insured in Construction

The Additional Insured in Construction

Unless a construction project is large enough to have an Owner Controlled Insured Program (OCIP), the owner will require its construction manager, contractor and design professionals, to obtain certain insurance coverage, including a Commercial General Liability (CGL) insurance policy with specified insurance amounts that names the owner as an “additional insured.” The construction manager and contractor will also require their subcontractors to obtain CGL insurance policies, typically in the same amounts, and to name them as an additional insured under the subcontractors’ policies. When a loss arises out of the subcontractor’s work the additional insured is entitled to coverage.

The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library

Legal Disclaimer:

The author and publisher disclaim any liability, loss, or risk incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this blog. The information provided is not a substitute for the advice of a competent insurance, legal, or other professional. The Information provided at this site should not be relied on as legal advice. Legal advice cannot be given without full consideration of all relevant information relating to an individual situation.

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