An additional insured is a person or entity added to a liability policy as an insured for a specific job, activity, or location. The additional insured has a business relationship with the policyholder, but is not crew or an employee. Adding them as an additional insured to your liability policy extends coverage to them if a covered claim or lawsuit is brought against them for injury or damage related to their work with you/your company on that specific job, activity or location.
Why add an additional insured to your policy?
Adding an additional insured to your policy can help ensure that they’re protected from risk in the event of a claim. You may want to add them to your policy because you have a business relationship with them or because it’s a part of your contract or agreement with them.
Who is considered a crew member?
Crew members aren’t the same as additional insureds. Your crew includes anyone who acts at your direction or collaborates with you on activities covered by your liability policy.
Why add crew to your general liability policy?
While adding additional insureds to your policy protects the individuals you add, adding crew to your policy protects you and your business. Adding crew to your general liability policy can help to make sure that if a member of your crew makes a mistake or is negligent, your liability policy will respond if the result of their actions is a covered cause of loss.
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