Products

The Additional Insured Book

By: Donald S. MaleckiJack P. Gibson, CPCU, CRIS, ARM
The Additional Insured Book

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  • 1-9 Employees
  • 10-30 Employees
  • 31-60 Employees
  • 60+ Employees - Contact us for a quote!

To subscribe to an IRMI product, you can purchase either a single-seat license for an individual, or an unlimited group license for everyone in your organization. The cost depends on whether your firm qualifies as a "Small Business" or a "Large Business" under the definitions in the following table.

Item Individual Small Business Large Business
Users 1 Unlimited Unlimited
Agency/Brokerage Any size Under $10M Revenue $10M+ Revenue
Insurance Company Any size Under $100M Premium $100M+ Premium
Law Firm Any Size Under 10 coverage Lawyers 10+ Coverage Lawyers
Risk Mgmt. Dept. Any Size Any Size N/A
Other Organization Any Size Under 100 Employees 100+ Employees

There are two payment plan options for buying an IRMI subscription product.

  1. Monthly: The full annual cost is broken out over 12 monthly payments that are billed to your credit card each month.
  2. Annual: Get 5% off the annual cost of the 12 month subscription, and the reduced amount is billed to your credit card once per year.

The Additional Insured Book

Product type: 1 Year Subscription

Publication Date(s): 1991, 1992, 1993, 1994, 1997, 2000, 2004, 2011, 2013

Case Citations: 300+

Part of: Books Package

Discount: Prices shown include a 5% discount for choosing the annual payments option


Summary

The definitive source for additional insured status and strategies. Includes more than 300 case citations.

The Additional Insured Book examines approaches, problems, and caselaw associated with additional insured endorsements for property and liability insurance. It offers suggestions for modifying coverage to correspond with contractual risk transfers, critiques the good and potentially troublesome areas of manuscript or insurer-drafted additional insured endorsements, and explains how certificates of insurance can be used in tandem with insurance policies to broaden or limit the extent to which coverage may apply to additional insureds.

The Additional Insured Book covers these topics.

  • Named Insured Status
  • Automatic Insured Status
  • Additional Insured Status
  • Problems with Additional Insured Status
  • Separation of Insureds and Cross-Liability
  • Standard Additional Insured Endorsements
  • Engineers, Architects, or Surveyors as Additional Insureds
  • Owners and Contractors as Additional Insureds
  • OCP versus Additional Insured Status
  • Real Property Lessors as Additional Insureds
  • Vendors as Additional Insureds
  • Blanket Additional Insured Endorsements and Provisions
  • Additional Insured Status in Commercial Auto Insurance
  • Additional Insured Status in Workers Compensation Insurance
  • Additional Insured Status in Professional and E&O Liability Insurance
  • Additional Insured Status in Commercial Property Insurance
  • Additional Insured Status in Marine and Aircraft Insurance
  • Certificates of Insurance
  • Compliance Problems

Download Table of Contents

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 ensure 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.
    Bonus Publication Icon

    Your purchase of the online version of The Additional Insured Book comes with a digital copy of the Contractor's Guide to OCIPs, a handy reference that provides guidance on 39 issues contractors should consider when accepting coverage through a wrap-up or controlled insurance program. This publication was prepared by the OCIP Task Force of the AGC of America.

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