The Additional Insured Book

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The Additional Insured Book

Product type: 1 Year Subscription

Publication Date(s): 1991, 1992, 1993, 1994, 1997, 2000, 2004, 2011, 2013, 2020

Case Citations: 300+

Part of: Books Package

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

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Could one book change your entire approach to requiring or granting additional insured status?

That is exactly what best-selling The Additional Insured Book has done for thousands of risk and insurance professionals. Earning praise for being innovative and enlightening, this definitive source for additional insured status and strategies

  • examines problems with standard endorsement forms, including those that limit coverage in compliance with state laws;
  • offers suggestions for modifying coverage to correspond with contractual risk transfers;
  • critiques the good and potentially troublesome areas of a number of manuscript additional insured endorsements in use;
  • reflects the latest ISO endorsements;
  • contains over 300 case citations and covers the hottest areas surrounding additional insured status, such as degree of fault, primacy of coverage, and third-party over actions.

Written by highly regarded insurance experts, The Additional Insured Book provides key insight and practical guidance into a number of cutting-edge areas that are barely touched by most other publications. Relying on its advice, many producers, risk managers, and underwriters have completely changed their approach to requiring or granting additional insured status.

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
  • Additional Insured Status in Umbrella and Excess Liability 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 for your concerns and recommendations, thus earning respect from clients, prospects, and underwriters.

Risk Managers, Financial Executives, and 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.
  • Design a workable contract compliance and certificate monitoring program.
  • Know what questions to ask of your insurer and how to support your position when a claims dispute arises.


  • 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.


  • Understand the drafting intent and history of the ISO endorsements.
  • Become familiar with the hottest areas of litigation surrounding additional insured status, such as degree of fault, primacy of coverage, and third-party over actions.
  • Cite the book as a respected third-party source documenting coverage intent behind the standard endorsements.
  • Review common ways insurance company endorsements differ from ISO.


  • 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 an IRMI reference product includes a complimentary subscription to The Electronic Owl e-newsletter. You'll receive a monthly update with links to new content and tips on how to get the most from your IRMI resources.

    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 CIPs—a handy reference that provides guidance on 38 issues contractors should consider when accepting coverage through a wrap-up or controlled insurance program.