Which endorsement helps ensure protection for a contract partner by adding them as insured under the policy?

• A. Waiver of Subrogation
• B. Additional Insured
• C. Newly Acquired Organizations
• D. Primary & Noncontributory

Answer: (B)

Adding a contract partner as an insured under the policy is achieved with an Additional Insured endorsement. This endorsement formally extends the insured status and the policy’s protections to the partner, so they’re covered for liability arising from the insured’s operations on the project or contract. It’s especially important when a client, landlord, or other party requires you to provide coverage as a condition of the contract; the partner can rely on your policy for defense and indemnity in claims tied to your work, helping limit their risk exposure.

Other endorsements don’t serve this purpose. Waiver of Subrogation prevents the insurer from pursuing recovery from a third party after paying a claim, which benefits the other party but doesn’t add them as an insured. Newly Acquired Organizations extends coverage to entities you acquire, not to a contract partner by name. Primary & Noncontributory makes your policy primary and not contributory with others, which affects coordination of multiple policies but not the actor who is insured.