How is an Additional Insured typically added to a CGL policy?

• A. A policy rider that cancels coverage.
• B. A separate policy from a different insurer.
• C. A person or organization added to the policy by endorsement to receive protection for specified acts or relationships, typically via ISO forms.
• D. The claims handler of the insurer.

Answer: (C)

Adding an Additional Insured to a CGL policy is done by endorsement attached to the policy, typically using an ISO form. This endorsement names a third party—often a project owner or another contractor—and extends the named insured’s liability protection to that party for claims arising from the named insured’s operations or, depending on the form, completed operations. It’s a way to transfer risk contractually, not a separate policy or a cancellation mechanism. A certificate of insurance may show that the coverage exists, but the actual protection comes from the endorsement itself. The other options don’t fit because they describe mechanisms that don’t create this coverage extension: a rider that cancels coverage isn’t how additional insured status is granted; a separate policy would duplicate coverage rather than extend it; and the claims handler is simply part of the insurer, not how coverage is provided.