The 'other insurance' condition
Coverage Q&A: What is the difference between 'other insurance' and the primary and non-contributory provision?
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Question: One of our contractor insureds has insurance with Travelers. The insured’s client requires an additional insured status on a primary non-contributory basis and requests ISO CG 2001 endorsement. Travelers does not use this endorsement because Travelers amended its policy form to include ‘other insurance’ under ‘conditions.’ The Travelers underwriter agrees with us that there is no difference. What are your thoughts?
— Pennsylvania Subscriber
Analysis: Sometimes just a slight difference in the way wording is structured in a form can have a huge impact on coverage. A person can never be too careful when reading a policy form or endorsement. It is always good to ask questions when you aren’t sure whether the coverage means the same, especially when comparing one company’s form to another.
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