Additional Insured Issues

Course Details

This course is not subject to discount pricing.

Additional Credit Available:

Optional Insurance CE
Optional CPA CPE

Delivery Method: 


PDF Download: 


Provider of Record: 


Field of Study: 

Management Services

Exam Requirements

Proctor Required: 


Passing Grade: 




Please note: Adding Additional Credit may change exam requirements.

Course Description
This course introduces important risk management and insurance concepts for all contracting parties to a construction project. It provides an overview of the ways in which insured status under another party’s insurance program can be used as a risk transfer technique and examines in detail the terms and conditions on which insured status is provided in all the major lines of construction insurance. Particular emphasis is placed on additional insured status under general liability insurance, since that is where the most important contractual risk transfers are located. The course describes and analyzes standard endorsement language used to make owners, contractors, subcontractors, lessors, and design professionals insureds under another entity’s commercial general liability (CGL) policy. It explores complex and emerging coverage issues such as “other insurance” concerns, recent revisions to the most widely used CGL additional insured endorsements, problematic coverage exposures such as completed operations and third-party-over suits, and relevant caselaw interpreting the language under which additional insured status is provided.

The course also addresses insured status under other construction-related lines of insurance—commercial auto, builders risk, and workers compensation, explaining the coverage features typical of each line and the risk-transfer significance of insured status under these policies. 

Learning Objectives
This is an intermediate-level course. Students who successfully complete this course will be able to

  • recognize the importance of “insured” status under the insurance policies most often used to write coverage on construction risks
  • identify standard reasons why indemnitees seek additional insured status under their indemnitors’ insurance policies
  • recognize the drafting history and current coverage provisions of standard CGL endorsement CG 20 10
  • differentiate between arranging additional insured status on a scheduled and an automatic basis
  • identify the methods and coverage provisions applicable to arranging insured status for design professionals
  • identify coverage and risk transfer issues surrounding the defense of additional insureds and indemnitees
  • recognize the potential problems created for additional insureds by “other insurance” clauses and the best methods of dealing with them
  • recognize the legal principles that are applied to the interpretation of standard additional insured endorsements
  • identify issues affecting insured status under builders risk insurance, particularly steps to be taken in avoiding subrogation
  • identify additional insured issues in excess and umbrella liability, auto, and workers compensation insurance


A basic understanding of CGL coverage and named insured requirements.

CPE Field of Study

Management Services

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International Risk Management Institute, Inc. (IRMI) is the premier provider of risk and insurance continuing education and reference publications, and is considered the ultimate authority by leading insurance practitioners. Written by industry experts, IRMI courses provide the most up-to-date, practical and reliable information possible.