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For example, say you use a contractor on a project who causes an accident that leads to you being sued. If you're an additional insured on the contractor's policy, you can make a claim to pay for the damages and legal fees, rather than relying on your own insurance.

ADDITIONAL INSURED – DESIGNATED PERSON OR ORGANIZATION. This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART.

CG 20 26 04 13: Additional Insured – Designated Person Or Organization. This endorsement is a “catch-all” endorsement and is acceptable for most situations. The exception is when we need additional insured status for completed operations with respect to work done for us by a contractor.

CG 20 26 Additional Insured - Designated Person or Organization. Adds a designated person or organization as an additional insured for liability arising out of the named insured's premises or operations. This endorsement can be used to add any interest to the policy, subject to company approval.

For example, a construction company working on a city government building may be required to hold the city harmless if someone were to be injured on the construction site. The construction company has agreed to assume liability and indemnify the city.

The standard Amendment of Insured Contract Definition commercial general liability (CGL) endorsement (CG 24 26) alters the policy's definition of "insured contract" to require that the injury or damage for which coverage is sought was caused "in whole or in part" by the named insured or those acting for it.

Liability Assumed Under an "Insured Contract" Tort liability means a liability that would be imposed by law in the absence of any contract or agreement."