Articles Posted in Additional Insureds

What a difference a word makes! Today’s words are “the,” “an,” “any,” and especially “you.” Most Commercial General Liability policies include a coverage enhancement known as a “separation of insureds” or “severability of interests” clause. This clause states that the policy’s coverage is to apply “separately” to each insured against…

Certificates of insurance (a.k.a COIs) are used in contract relationships all the time. COIs give details of the insurance policies held by a contracting party as of a certain date.  They usually include information such as the policy number, the name of the insurance company, the type of insurance, the…