Should You Require A Specific Endorsement Naming Your Client As An Additional Insured?

Additional Insured's Action Against Insurer Dismissed for Lack of Personal Jurisdiction

The takeaway of this article is for you to consider updating your clients' insurance requirements to require a specific additional insured endorsement. This endorsement requires a lower-tier contractor/policyholder to identify your client's company by name in the additional insured endorsement to protect your client from having to travel to a remote forum not of your client's choosing to enforce the additional insured obligation.

The use of specific additional insured endorsement forms, such as ISO Forms CG 20 10 11 85 or CG 20 10 04 13, should better establish the required personal jurisdiction link between the insurer's actions (issuance of additional insured coverage) and the residence of the additional insured (if such jurisdictional information is provided on the endorsement).