Endorsements

Co-defendant coverage wording and examples

Co-defendant coverage endorsements add or clarify coverage when an insured is sued alongside specified co-defendants or when coverage parts share claim handling for related defendants. Co-defendant endorsements can extend coverage to a specified party when a claim also involves an insured.

Coverage classification

Form type
Endorsements

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FormIntentCovered claimsLimits and conditions

Federal Insurance Company

Co-Defendant Coverage Endorsement

14-02-11519 (03/2016)

Management Liability

Adds a specified co-defendant as an insured for a defined co-defendant claim.The claim must also be made and continuously maintained against at least one other insured.Applies only in connection with the co-defendant’s actual or alleged involvement in the organization’s specified activities.

Federal Insurance Company

Co-Defendant Coverage Endorsement (Defense Costs Only)

14-02-21452 (02/2015)

Employment Practices Liability

Adds scheduled co-defendants as insureds for defined co-defendant claims.Limits coverage for those claims to defense costs and requires the same counsel as the other insured.Sets a $50,000 defense-cost aggregate within, rather than in addition to, the policy limit.

Notable clauses

“such Claim is also made and continuously maintained against at least one Insured”

Federal Insurance Company · Co-Defendant Coverage Endorsement · 14-02-11519 (03/2016)

Shared claim. The co-defendant’s coverage depends on the claim also being maintained against another insured.

“No coverage will be available under this Coverage Part for Loss, other than Defense Costs”

Federal Insurance Company · Co-Defendant Coverage Endorsement (Defense Costs Only) · 14-02-21452 (02/2015)

Defense costs only. This form limits co-defendant claim coverage to defense costs, subject to its other conditions.

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