Professional liability brokers repeatedly receive requests from insureds to add the insureds' clients onto their errors and omissions policies as additional insureds. As outsourcing has become more prevalent, so has this request.
At first glance, this request seems quite reasonable. A client requests to be added as an additional insured (AI) with the intent to have the insured's E&O policy provide defense and indemnification if an error or omission by the insured results in the client being sued.
For example, a Web designer--the insured--uses an unauthorized image on a client's Web site. The holder of the copyright then sues the client.
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