What is an Additional Insured Certificate and why am I required to obtain it from my subcontractors?
An Additional Insured Certificate is an endorsement to an individual or company that is added to the insured’s policy for the period of time your work is being performed at their jobsite. Your subcontractors are required, by your carrier to name you as additionally insured onto their policy for your protection. If a claim were to arise from work your sub-contractor performed and they were not insured then your policy would cover any loss/claim that may transpire. Having your subcontractors name you as an additional insured on their policy ensures that they are insured with limits that are equal to or greater than your policy, and that any claims would be applied to their policy first and not yours.
