Additional Insured Issues Course Outline

1. Course Introduction
2. Risk Transfer and Insured Status
   1. What Is “Insured Status?”
   2. Reasons for Requiring Additional Insured Status
      1. Protecting One’s Own Policy Limits
      2. Backing Up an Indemnity Agreement
      3. Gaining Direct Right to a Defense
      4. Obtaining Personal Injury Coverage
      5. Obtaining Specialized Coverage
      6. Avoiding Subrogation
      7. Replacing Litigation with Insurance
3. Additional Insured Relationships Among Owners, Contractors, and Subcontractors—Part One
   1. CG 20 10—Owners, Lessees or Contractors—Scheduled Person or Organization
      1. “Caused, in Whole or in Part, By”
      2. Third-Party-Over Actions
      3. Completed Operations
4. Additional Insured Relationships Among Owners, Contractors, and Subcontractors—Part Two
   1. CG 20 37—Additional Insured, Owners, Lessees or Contractors—Completed Operations
   2. CG 20 33—Additional Insured, Owners, Lessees or Contractors—Automatic Status When Required in a Construction Agreement with You
5. Other Additional Insured Endorsements Used by Contractors and Subcontractors
   1. Design Professional as Additional Insureds
      1. CG 20 07—Additional Insured—Engineers, Architects, or Surveyors
      2. CG 20 32—Additional Insured—Engineers, Architects, or Surveyors Not Engaged by the Named Insured
   2. Equipment Lessors as Additional Insureds
      1. CG 20 28—Additional Insured—Lessor of Leased Equipment
      2. CG 20 34—Additional Insured—Lessor of Leased Equipment—Automatic Status When Required in Lease Agreement with You
6. Some Additional Insured Coverage Issues—Part One
   1. Named Insured versus Additional Insured
   2. Contractually Assumed Defense
   3. Additional Insured Status without Indemnity Agreement
   4. “Other Insurance” Issues
7. Some Additional Insured Coverage Issues—Part Two
   1. “Arising Out Of”
   2. Additional Insureds and Pollution Claims
   3. Additional Insureds and Completed Operations
   4. Additional Insureds in Umbrella and Excess Policies
      1. Additional Insureds as in Underlying
      2. Additional Insureds as Required by Contract
      3. “Other Insurance” Issues
      4. Issues Specific to Excess Policies
8. Insured Status under Builders Risk and Auto Insurance
   1. Builders Risk Insurance
      1. Builders Risk Policy Subrogation Provision
      2. Including Contractors as Insureds
      3. Waiver of Subrogation Endorsement
      4. Recent Trends
   2. The Business Auto Policy
      1. Vicarious Auto Liability
      2. Insured Status for Owner of Leased or Rented Vehicle
9. Insured Status under Workers Compensation Insurance
   1. Borrowed or Lent Servant Situations