Which endorsement is commonly added on project-based policies to ensure owners and general contractors are protected under the insured's policy?

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

Answer: (D)

In project work, owners and general contractors want to be protected under the insured’s liability policy. The way this protection is provided is through an Additional Insured endorsement. This endorsement extends the insured’s CGL coverage to cover the owner or contractor as if they were insured themselves, so a claim arising from the insured’s operations can be defended and paid under the insured’s policy. It can be arranged blanketly or for specific entities and can cover ongoing operations and, depending on the form, completed operations as well. Other endorsements—such as Waiver of Subrogation, Primary & Noncontributory, or Newly Acquired Organizations—fulfill different contractual or coverage roles, but the standard way to ensure owners and general contractors are protected under the insured’s policy on a project is to add them as Additional Insured.