What is an Additional Insured Endorsement or Certificate?
Any endorsement to a policy is a change to the insurance contract. When an entity is added as Additionally Insured to your policy they are given the right to make a claim directly against your policy. This is because they are an “insured” on the policy. There are several types of AI endorsements. The CG 2010 11/85, CG 2010 10/1 and the CG 2010 10/93 are the three most common. Other endorsements are usually modifications to one of these types. Of the three endorsements the cg 2010 “11 85” has stronger wording. An entity added with an 11/85 is an additional insured for “your work”. This means that even after you have completed the job, even years later, the AI can make a claim directly on your policy for a liability claim. The 11/85 endorsement is increasingly hard to obtain. Some claim that it is even gone but we still see it being issued for commercial work. The 10/93 form provides the AI coverage for “your ongoing operations”. In this case the AI would only be able to make a claim dir
