The version of the form, the causation language it uses, and whether the right contractual relationship exists can each make or break coverage — and each has produced a body of case law that rewards preparation and punishes assumption. In this session, Dominic Rupprecht, Chris Mosley, and Connor O'Carroll of Reed Smith's Insurance Recovery Group walk through how additional insureds secure the coverage they bargained for.
We'll cover the endorsement landscape and why the form version matters, including how newer versions tie coverage to what the underlying contract requires; how courts are interpreting causation language and how to establish that the named insured's conduct triggers coverage; the privity issues to navigate so blanket additional insured coverage holds up without a direct written contract; the gap between ongoing and completed operations coverage and how to close it; and why a certificate of insurance is not an endorsement — and what options remain when a certificate is all your client has.
The session provides a practical, precedent-driven roadmap for structuring, demanding, and enforcing additional insured coverage.
