Additional Insured on Contractor General Liability Policy
Contractor insurance policies can include an “additional insured.” Here is a brief example explaining the coverage.
A Landlord hires an electrical contractor to perform maintenance
work on the light fixtures in the lobby of the Landlord’s building. While working
on a light fixture, the electrical contractor’s employee does not secure it properly,
and it falls on a person walking in the lobby and causes serious injury to that
person. If that injured person sues the electrical contractor alleging negligence
and names the Landlord in that law suit, then the Landlord will need to be
defended and indemnified.
This is where a properly executed additional insured endorsement on the service