The Additional Insured Endorsement: Get it Right

by | Nov 18, 2013 | Contracts, Defective Work

Construction often involves multiple parties performing different work, making it essential that coverage is in place for all aspects of a project.  Adding someone as an additional insured is a common way to get this done.  It protects the owner as well as general contractor from liability arising out of any subcontractor action.

Do you actually have additional insured coverage?

The one responsible for adding an additional insured generally makes the request to his agent.  In turn, the agent customarily issues a certificate noting the additional insured on the actual policy. The certificate will specify the additional insured’s name and the extent of applicable coverage.  But the certificate, in and of itself, is not enough.  An Additional Insured Endorsement to the actual policy is required to confirm that a party seeking the additional insured coverage has obtained it.

To get it right, and before proceeding with the work, be sure to see the Additional Insured Endorsement and a copy of the insurance policy.

Knowledge is king in every undertaking and it is no different when it comes to Florida Lien Law. Keeping up to date with legislative changes, critical court decisions, and current construction lien law is something construction executives and design professionals must do regularly to remain effective managers as they work hard to turn concepts into drawings and blueprints into well-built projects. Where it now has become common to believe that any discovered deficiency must be the result of someone else’s acts or omissions, the idea of avoiding potential risks is today more important than ever.

Published by the construction lawyers at The Barthet Firm in Miami, is a collection of Florida Lien Law alerts and articles, many reprinted from their initial publication in industry journals. It provides information helpful to contractors, subcontractors, material suppliers, architects, engineers and anyone else dealing with a mechanics lien issue, construction contracts, or construction bonds, especially in South Florida.

Managing job site discrepancies and those unavoidable change orders while correctly interpreting construction contract terms can provide an edge – something much appreciated in this always competitive business. This is but one step in that process. Read on.

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