White Paper

Dangers of Additional Insureds

Inherent dangers of adding third parties as “additional insureds”.

White Paper Summary

Consider this common scenario: a healthcare organization engages a third party provider for services performed on its behalf. This
might include the hiring of staffing agencies to provide skilled nurses in a hospital setting. Invariably the contract for services requires
the Named Insured (your client) to add the healthcare organization or intermediate staffing agency as an additional insured on both
their professional liability and general liability policies. Your client contacts you, as their insurance broker, and requests coverage for
this third party. No problem, right? WRONG. While it is prevalent to add additional insured coverage on general liability policies, one
should proceed with extreme caution when adding additional insureds on professional liability policies.

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Allied World is a global provider of innovative property, casualty and specialty insurance and reinsurance solutions.

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The R&I Editorial Team can be reached at [email protected]