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The Policy Puzzle: Tracking the Evolution of the Additional Insureds

The Policy Puzzle: Tracking the Evolution of the Additional Insureds

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 In this episode of Scandals: Insurance Uncovered, Amy Lamb and Teresa Guertin dive deep into the evolving world of Additional Insured (AI) endorsements, exploring howISO forms have changed over time and what that means for policyholders, risk managers, and legal entities.Join us as we uncover:The history of AI endorsements: From the CG 20 10 11 85 to the latest editions.The shift from “arising out of” to “caused in whole or in part by”: What it really means for risk transfer.How case law (including Burlington and Hanover v. Philadelphia) has shaped the interpretation of AI language.The impact of contractual limitations in 04/13 and later editions andwhy your policy limits might not be what you think.Why manuscript endorsements can be a hidden trapand how to spot them.From GCs enforcing strict AI requirements to subs navigating policy limitations, this episode sheds light on the gray areas of insurance coverage that often lead to litigation, confusion, and costly mistakes.Don’t let insurance loopholes catch you off guard!.....Resources from this Episode:CG 20 10 11 85 – The "unicorn form," one of the earliest and broadest additional insured endorsements.CG 20 10 10 01 & CG 20 37 10 01 – Introduced scheduling for additional insureds and separated ongoing operations from completed operations.CG 20 10 07 04 & CG 20 37 07 04 – Changed the trigger language from “arising out of” to “caused in whole or in part by”.CG 20 10 04 13 & CG 20 37 04 13 – Introduced contractual limitation language, tying coverage limits to the insured's contract requirements.CG 20 10 12 19 & CG 20 37 12 19 – The most recent ISO edition with minimal substantive changes.CG 20 33 & CG 20 38 – Mentioned as blanket additional insured forms, which will be discussed in a future episode.CG 20 39 & CG 20 40 – Newer ISO forms addressing completed operations coverage......Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode!Reach us directly at ⁠⁠scandalsinspod@gmail.com⁠⁠ .....Follow the Scandals: Insurance Uncovered Podcast:LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠ Facebook: ⁠⁠facebook.com/scandalspod⁠.....Connect with our hosts: Theresa Guertin & Amy Lamb⁠⁠linkedin.com/in/theresaguertin/⁠⁠⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠.....Review our show on Spotify or Apple Podcasts.
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