January 2006 Dec Page

Question of the Month

The Insurance Services Office (ISO) revised its additional insured endorsements recently. This was in response to a dispute over the extent of coverage afforded under additional insured endorsements. At issue was whether coverage for an additional insured is limited to its vicarious liability for the named insured's negligence, or broader and extending to the additional insured for its own sole negligence. The issue produced a slew of reported decisions from around the country.

So, if the named insured is an additional insured on another's policy, what is the extent of the coverage that the named insured has? If the named insured has another entity endorsed onto his liability policy as an additional insured, what coverage has the named insured extended to that other entity? What have the courts been saying about the additional insured endorsements? Do the additional insured endorsements need to be revised again so as to clarify the extent of coverage?

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