5 Foundational Insurance Concepts Producers Need to Know in 2025
As we head into a new year, there’s no better time to equip producers with foundational insurance industry knowledge and concepts.
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Can a Property Manager Be an Additional Insured on Landlord’s DP3 Policy?
A landlord’s property management firm wants to be added as an additional insured to the policy, but the carrier requires that the property manager is listed on the deed.
Additional Insured Endorsements for Landlords During Construction Without a Written Contract
The landlord, the tenant and the general contractor mistakenly believe the contractor’s additional insured endorsements are triggered by the lease agreement.
What Endorsement Adds an HOA as an Additional Insured to a Renters Insurance Policy?
An agency is getting regular requests from homeowners associations (HOAs) to list the HOA as an additional insured on its tenants’ renters insurance policies. However, the carriers will only list the HOAs as certificate holders or additional interests.
Additional Insureds on a COI: Is the Word ‘Blanket’ Misleading?
What is the proper wording to reflect additional insureds on certificates of insurance (COIs)?
Adding a County as an Additional Insured on HO4 for Vacant Land
To grant a permit for a driveway, the county is requiring the property owners to add the county as an additional insured, which the carrier won’t do.
COI Requests: Is There a Blanket Additional Insured Endorsement?
A client’s policy includes an endorsement which provides “blanket additional insured” status to the entity with whom they have a written contract, but the certificate holder still insists that the certificate of insurance must specifically list both it an
Does the Named Insured Need to Be Listed on an Additional Insured’s Claim?
An insured has an ISO CGL policy with additional insured forms attached, specifically listing the general contractor as an additional insured. Does a named insured need to be named in a claim to trigger coverage on the policy for the additional insured?
How to Achieve Additional Insured Status for Landlords
An agent asks: Is there a property endorsement to add a landlord as an additional insured on property or business interruption?
Condo Associations and Additional Insureds: Who Belongs on the Policy?
If you insure a condo association and a unit owner’s bank requests inclusion as a loss payee/mortgagee on the master policy, can you fulfill the request?
