Understanding Named, Automatic and Additional Insureds in the CGL Policy

Every day, thousands of people request and receive proof of someone else’s Commercial General Liability (CGL) insurance. They might be named as a certificate holder or they might be named as an additional insured. They might want to be named as an additional insured for ongoing operations, completed operations, or “your work.” They might request Primary Wording, or Non-Contributory Wording, or a Waiver of Subrogation, or a Hold Harmless Agreement. They might say that the insurance company has to have an A.M. Best Rating of at least A-, VIII, and write business in the state on an admitted basis. What does all of this mean? If you are requiring or providing additional insured endorsements, you should know what they mean. In this book, attorney and insurance professional Dwight M. Kealy walks the reader through memorable answers to these kinds of questions that are faced everyday by insurance professionals, attorneys, risk managers, and any business that regularly deals with insurance requirements.