Summary:   The commercial general liability (CGL) coverage form has a "who is an insured" section in which it describes "an insured" to whom the provisions of the CGL form apply. However, that section does not deal with entities known as "additional insureds," those that are added as insureds to the CGL form by way of endorsements, or modifiers of the standard coverage form.

This article offers a general discussion of additional insureds—how they are added to a general liability policy, their relationship to named insureds and insurers, and issues that arise based on that relationship.

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