Additional Insureds, SIRS, and "Other Insurance" Provisions: Interpreting AI Endorsements, Ensuring Adequate Coverage

This CLE course will discuss key pitfalls facing additional insureds (AIs) in ensuring adequate coverage, including the presence of a self-insured retention (SIR) in the named insured’s policy, the impact of "other insurance" provisions in the named insured's policies, and the interpretation of the insuring clause in the AI endorsement.

Companies or contractors may be at risk when added as an AI on a subcontractor’s CGL policy with an SIR. Some courts have ruled that the AI is not entitled to a defense or indemnity until the named insured satisfies the SIR.

When an entity qualifies as an AI and several policies cover the same risk, counsel must determine the priority of coverage under applicable policies. The "other insurance" provisions need to be analyzed to determine which policy applies as primary or excess or if multiple policies apply as coinsurance.

Listen as our authoritative panel of insurance attorneys analyzes risks facing AI contractors in ensuring adequate coverage. The panel will discuss the presence of an SIR in the named insured's policy, the impact of "other insurance" provisions in subcontractor's policies, and the interpretation of the insuring clause in the AI endorsement.