Additional insured

This is a simple type of blanket additional insurance arrangement, because it does not identify the additional insured by name, but by a "blanket" general description that will automatically apply to many persons.

In other cases, the original named insured wishes to extend coverage to others who would not come within these standard categories.

To extend coverage further, Additional Insured Endorsements are added to the policy.

The losses will be posted against the policies of the party providing the additional insurance and their premiums will rise accordingly.

Additional insurance coverage and endorsements are the subject of frequent disagreements, misunderstandings, and litigation.

These can conflict with opposite provisions in other policies, leading to mutual repugnance of the Other Insurance clauses.

These indemnifications, in turn, can be liabilities to be covered by the policies pursuant to "insured contract" coverage.