Certificates of Insurance, Additional Insureds, and CGL Cross Liability Exclusions
A third party wants a lengthy list of additional insureds to be added to a certificate of insurance. After cajoling by the agency, the underwriter issues the AI endorsement but, along with it and over a dozen other requested endorsements, the underwriter attaches a "cross liability exclusion" endorsement. What the agent doesn't realize is the potential coverage problem this form has just created.
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