Additional Insured Status
What this clause says
Tenant shall name Landlord, Landlord's lender, and Landlord's property manager as additional insureds on the commercial general liability policy, on a form providing coverage at least as broad as ISO form CG 20 11, for both ongoing and completed operations.
What this actually means
An additional insured endorsement extends your liability coverage to another party for claims arising out of your operations. Landlords, lenders, management companies, and health systems all commonly require it. The specific endorsement form controls how much protection it actually delivers, and the forms differ substantially.
What it means for an operator
The recurring failure is a mismatch between what the lease demands and what the endorsement provides. A lease may require coverage as broad as a specified form, while the policy carries a narrower blanket endorsement that only extends status where required by written contract and only for the operator's own negligence. That is often acceptable, but nobody checks, and the mismatch surfaces when the landlord tenders a claim and your carrier declines. Two practical steps: read the endorsement actually attached rather than the certificate, which is only evidence and confers nothing, and confirm the endorsement covers the entities the lease names, since lender and property manager are frequently omitted even when the landlord is included.
How this evaluates
The Policy Checker applies these rules in order; the first match wins.
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Common questions about this clause
- What insurance does a senior housing REIT lease usually require?
- What does a senior living certificate of insurance need to show?
- What insurance does a senior living expansion or renovation need?
- What does primary and noncontributory mean on our certificate?
- What covers a claim that staff financially exploited a resident?