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.
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,...
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