Alliance Insights: Insuring Contractors The Additional Insured Basics You Need to Know-Part 2

Alliance faculty member and nationally recognized coverage expert Cathy Trischan returns with Part II of Insuring Contractors: The Additional Insured Basics You Need to Know. Building on the history covered in Part I, this discussion focuses on how today’s ISO additional insured endorsements operate in real-world contracts. Cathy explains the intent and limitations of commonly used forms—such as CG 2010, CG 2033, and CG 2038—and why understanding their wording is critical to effective risk transfer. The episode highlights the impact of privity of contract and key court decisions that narrowed automatic additional insured coverage, creating uncertainty across jurisdictions. Cathy also breaks down the often-misunderstood divide between ongoing operations and completed operations coverage, explaining when separate endorsements are required and why completed ops remains a persistent challenge. Throughout the episode, she emphasizes the importance of scrutinizing carrier proprietary forms, identifying hidden restrictions, exclusions, and contract-based triggers that can undermine coverage. The takeaway is clear: navigating additional insured requirements today requires careful endorsement selection, contract awareness, and a practical understanding of how coverage language plays out after a loss. Focusing exclusively on risk management and insurance professional development, the Risk & Insurance Education Alliance provides a practical advantage at every career stage, positioning our participants and their clients for confidence and success.