With construction work, it may not always be clear which party is responsible for paying damages following bodily injury or property damage. To help you in such cases, you should become familiar with the steps you can take to obtain recovery directly from insurance carriers for other parties whose negligence has caused bodily injury or property damage to you. There are several mechanisms that can be used for this purpose.
In the construction industry, the most common way to gain direct access to and coverage from another party's insurance policy is to become an additional insured. Becoming an additional insured is accomplished by a contractual provision in another party's liability insurance policy and an additional insured endorsement issued by the other party's insurance carrier.
Additional insured status
Currently, you invariably are required to name the owner, general contractor, architect, construction manager, property manager and others as additional insureds on your commercial general liability and other liability insurance policies. Similarly, you should require to be named an additional insured on the liability policies of your subcontractors, suppliers and vendors.