Coverage intent
An additional insured endorsement extends insured status to another person or organization for a defined relationship, project, contract, or exposure.
Coverage impact
Additional insured wording drives contractual risk transfer. Small differences in who qualifies, what operations are covered, and whether completed operations are included can materially change the protection.
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Where this language appears
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Sample form language
A representative form excerpt for this topic, with the form number and edition date shown the way insurance teams usually identify versions.
Selected form
Additional Insured - Owners, Lessees, or Contractors - Automatic Status and Conform to Contract When Required in Written Construction Agreement - Ongoing Operations
Form #: 1G1007FR 07 23
First National Insurance Company of America
Commercial General Liability
KS | Jun 23, 2026
This endorsement grants automatic additional-insured status from a written construction agreement, then narrows the coverage to ongoing operations, causation language, and timing.
Automatic additional-insured trigger
SECTION II - WHO IS AN INSURED
1. ONGOING OPERATIONS
a. Any person or organization for whom you are performing operations when you and such person or organization have agreed in a written contract or written agreement that such person or organization be included as an additional insured on your policy; and
b. Any other person or organization you are required to include as an additional insured under the contract or agreement described in a. above.
Such person(s) or organization(s) is an additional insured only with respect to liability for "bodily injury", "property damage", or "personal and advertising injury" caused, in whole or in part, by:
c. Your acts or omissions; or
d. The acts or omissions of those acting on your behalf;
in the performance of your ongoing operations for the additional insured.
A person's or organization's status as an additional insured under this endorsement ends when your operations for the person or organization described in a. above are completed, abandoned, or otherwise left incomplete.Selected excerpt from this form.
Notable language points
- 01Requires a written contract or agreement before the additional-insured status applies.
- 02Limits status to ongoing operations and ends that status when the insured work is completed, abandoned, or left incomplete.
- 03Uses causation wording tied to the named insured acts or omissions.
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