“Insureds may wish, or be contractually obligated, to extend their insurance coverage to other individuals or entities,” commonly referred to as additional insureds. In fact, in certain industries, additional insured provisions in contracts “are as frequent as snow falling during an Iowa winter.”

Coverage for additional insureds is typically provided in one of two ways. First, a specific endorsement may expressly name the individual or entity as an additional insured on the policy. Second, a blanket additional insured endorsement may provide coverage to a limited category of individuals or entities without having to be expressly identified.