Commercial Lines
How is an 'additional insured' added to a commercial liability policy, as opposed to a named insured?
Answer
By an endorsement that names the party
TDI: 'You should check the Additional Insured box if the policy includes an endorsement that names the certificate holder as an additional insured.' A certificate of insurance alone does not create additional insured status — the endorsement does.
Source: TDI, Certificates of insurance FAQ; Tex. Ins. Code ch. 1811
Not the answer
- Automatically, whenever a written contract requires it
- By listing the party on a certificate of insurance
- By having the party pay a portion of the premium
Practice this
The Texas All-Lines Adjuster exam is 150 questions with a scaled passing score of 70, which is neither the number nor the percentage correct. This test uses 70% as a yardstick. The app’s page carries a free ten-question test drawn from the same bank, marked as you go.
Take the free practice test