Additional insured
Specific wording on a vendor's certificate of insurance (COI) that extends their insurance to cover the building owner and manager. Buildings are picky about the exact language.
Additional insured
Additional insured is wording on a vendor’s certificate of insurance (COI) that extends that vendor’s insurance to also protect another party — here, almost always the building owner and property manager. If something goes wrong while the vendor works on site, the building is covered under the vendor’s policy.
Why you care: buildings are exact about this. A COI can show plenty of coverage and still be rejected because the additional-insured names or wording don’t match what the building requires. That mismatch is a classic move-day stopper. So when you ask the property manager for COI requirements, ask specifically who must be named as additional insured and in what words, and pass that to your vendors verbatim.
Where it shows up: Property Manager & Building Rules, Compliance & Safety. Deeper explainer: Why COIs matter.