Agents, Brokers and Account Support Staff

• Make sure the endorsement language provided on your customer’s policy complies with the contract requirements.
• Clearly explain how additional insured coverage is intended to coordinate with the additional insured’s own liability program.
• Pinpoint and correct errors in additional insured contract requirements or policy amendments intended to respond to them.
• Use excerpts as third-party support to your concerns and recommendations, thus earning respect by clients, prospects, and underwriters.

Risk Managers, Financial Executives & Insurance Buyers

• Make sure your policy will not provide broader coverage to an additional insured than you desire.
• Avoid an uninsured breach of contract claim for failure to comply with an additional insured requirement.
• Draft reasonable and obtainable additional insured requirements that will provide the protection you need.
• Help assure your business relationships continue when the big loss occurs.
• Utilize the third-party insight to know what questions to ask of your insurer and to support your position when a claims dispute arises.

Underwriters

• Analyze the exposure you are assuming when you agree to include an additional insured on a policy.
• Understand how your company endorsements compare to the standard ISO forms.

Claims Adjusters

• Understand the drafting intent and history of the ISO endorsements.
• Analyze your claim to determine whether to accept the responsibility to defend or seek the advice of counsel.
• Utilize the book as a respected third-party source documenting coverage intent behind the standard endorsements.

Attorneys

• Understand the drafting intent and history of the ISO endorsements.
• Utilize the book as a respected third-party source documenting coverage intent behind the standard endorsements.
• Review common ways insurance company endorsements differ from ISO.

Consultants

• Understand the drafting intent and history of the ISO endorsements.
• Use as support and a second opinion in your litigation consulting work.