Additional Insured Coverage: Navigating Scope, AI Rights, Insurer Duties, AI Status vs. Contractual Indemnification
Advocating Coverage From Perspectives of Additional Insureds, Policyholders and Insurers
Recording of a 90-minute CLE webinar with Q&A
This CLE webinar will discuss insurance coverage issues emanating from being an additional insured (AI) under a commercial contract. The program will analyze the scope of AI coverage and key exclusions, how to best obtain AI status, the rights of AIs and corresponding obligations of insurers, and the distinction between AI status and indemnification and insured contract risk mitigation techniques.
- Overview of AI coverage
- Scope of coverage
- Ongoing vs. completed operations
- Injuries to employees
- Written contract requirement
- Execution requirement
- Direct contractual relationship requirement
- Rights of additional insureds
- Duty to defend additional insureds
- Priority of coverage
- Certificates of insurance
- Coverage inconsistent with underlying contract requirements
- Excess/umbrella coverage
- Indemnification vs. additional insured coverage
- Insured contracts vs. additional insured status
The panel will review these and other key issues:
- How can counsel ensure that contractually required AI coverage is satisfied by the named insured’s policy?
- Why is a certificate of insurance often inadequate protection for the party seeking AI status?
- How do the insurer’s duties and obligations vary with respect to AI coverage versus contractual indemnification?
- What pitfalls are present in assuming AI coverage under an excess policy that follows form of primary coverage?
Christian A. Cavallo
Mr. Cavallo is an insurance coverage litigator representing insurers in high-value cases in state and federal courts.... | Read More
Mr. Cavallo is an insurance coverage litigator representing insurers in high-value cases in state and federal courts. His practice involves drafting coverage opinions and memoranda analyzing his clients’ rights and obligations under complex insurance contracts and providing advice to claims personnel and assigned counsel concerning a wide variety of coverage issues.Close
Christine A. Gudaitis
Ver Ploeg & Lumpkin
Ms. Gudaitis concentrates her trial and appellate practice in the areas of insurance coverage and bad faith litigation,... | Read More
Ms. Gudaitis concentrates her trial and appellate practice in the areas of insurance coverage and bad faith litigation, representing individual and corporate policyholders. She specializes in construction defect matters where AI and indemnity issues frequently arise.Close