Why this shows up
Clients ask for it because they want some protection under your policy, but it may not apply to every type of insurance.
What this changes for you
This is not just a label on a certificate. It may require a policy endorsement, and some policies or coverage types may not allow it the way the client expects.
What to check first
- Which policy is the client asking to be added to?
- Does your carrier allow that endorsement?
- Can your certificate show the required wording?
Example contract wording
Client shall be named as an additional insured on vendor's commercial general liability policy.
What to do next
- Identify the exact policy the client references.
- Ask your broker whether the endorsement is available.
- Avoid promising the wording until the broker confirms it.
Questions to ask
- Can this client be added as additional insured?
- Is the endorsement blanket or specific to this client?
- Does this apply to E&O or cyber, or only general liability?
Common mistake
Assuming additional insured wording can be added to any policy just because the client requested it.