Endorsements

A marina will often tow a non-owned trailer, with or without a boat, on marina property and occasionally on a public road. The carrier will not give the agency a definite answer about coverage.

An agency insures several contractors that do work for unit owners within a homeowners association (HOA). The HOA asked to be an additional insured on these contractors’ policies. Without incurring a large expense by scheduling the HOA as each job arises, what is the best way to endorse the contractors’ policies to include the HOA…

An agency provides a general liability policy for a local religious fraternity. Another insurer is requesting the certificate of insurance (COI) and demanding that it be added as an additional insured on the COI.

A project is requiring a contractor to maintain insurance coverage through the next 10 years. What policy would grant coverage if the business closes during that time?

A carrier added the endorsement to a commercial general liability form and says that the endorsement adds liquor liability to the policy, as it eliminates the liquor liability exclusion.

Here’s how to explain to a client when a fellow employee endorsement would be triggered.