Insurance & LiensQuestion 1518 of 1605
When an owner is added as an 'additional insured' on the general contractor's liability policy, which document actually grants that status?
a.An additional insured endorsement to the policy
b.The certificate of insurance
c.The preliminary notice
d.The construction contract alone
Explanation
Additional insured status is created by an endorsement to the insurance policy, not by the certificate of insurance (which only evidences coverage) or by the contract's requirement alone. Without the endorsement, the owner is not actually an additional insured.
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Sen Lin, PrepPass Founder · Verified against California CSLB Contractor License Law & Business Exam · How we review
Reviewed by Abraham Chen — Licensed California General Contractor (CSLB License #1101856 — verify)