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Additional insured
Published 2026-06-12 · by Brokly
In plain terms: Someone else — often a client, landlord, or general contractor — added to your liability policy so they’re also protected if a claim from your work names them.
Why it matters to you
Contracts ask for it so a claim from your work doesn't land on the other party's policy. It's done with an endorsement to your existing policy — not a new policy — and carriers handle the common forms routinely.
Where you’ll see it
In the insurance section of leases and client contracts ("naming Owner as Additional Insured…"), and as a checked box plus endorsement form number on your certificate.
Related terms
Definitions describe how policies are typically structured — exact terms live in the policy. Not legal or compliance advice.