Additional Insured Coverage: Is Your Business Really Protected?

Additional insurance endorsements allow parties involved in business transactions to transfer risks for potential liabilities. However, the endorsements don't always deliver the coverage that the parties expect.

A poorly structured additional insured endorsement (AIE) can result in either coverage of exposures far beyond that contemplated or foster false confidence that coverage is in place. It is important that counsel for insurers, additional insureds, and named insureds understand how to craft clear and effective endorsements to avoid such unintended consequences.

Listen as our authoritative panel reviews coverage issues raised by AIEs and offers strategies to help manage risk through the endorsements while minimizing the possibility of litigation.

John N. Ellison, Managing Stockholder, Anderson Kill & Olick, Philadelphia, concentrates his practice in the insurance coverage area, exclusively on behalf of policyholders. His extensive experience includes toxic torts and claims under directors and officers policies, as well as successfully prosecuting bad faith claims against large insurance organizations.

Robert M. Fineman, Partner, Duane Morris, San Francisco, practices in the areas of commercial and insurance coverage litigation with an emphasis on complex litigation involving contract disputes and environmental matters. He has represented domestic and international insurers and reinsurers in a wide range of lawsuits and disputes involving a variety of insurance law issues, such as bad faith allegations, business disputes, subrogation and contribution, among others.

John D. Green, Partner, Farella Braun + Martel, San Francisco, has 18 years' experience specializing in the representation of insureds and claimants in coverage disputes. He has represented insureds in a wide variety of lawsuits and insureds pursuing first-party property coverage, including fire losses and earthquake claims. He counsels clients in negotiation with carriers to obtain policy benefits and has extensive experience with mediation and arbitration of insurance disputes.

The panel will address these and other key questions:

• How can a business evaluate which additional insured endorsements will provide the best chance for risk-transfer in different types of transactions?
• What are some of the typical additional ensured endorsements being utilized in business relationships and how are different jurisdictions interpreting them?
• What are the best practices for an additional insured to protect its interests in the insurance coverage?

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