Does adding an AI raise my premium?

Usually minimal or free per certificate. Blanket AI endorsements cost $50–$200/year.

Client requiring 'additional insured'?

Named Insured vs Additional Insured (US)

Named insureds are policy holders with full rights. Additional insureds get liability defense only, for their exposure from your work.

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The short answer

Named insured has full policy rights: coverage, notice, cancellation control, direct claim payment. Additional insured has narrower liability defense for their vicarious exposure from your operations. Contracts often require AI status via ISO CG 20 10 (ongoing ops) and CG 20 37 (completed ops) — request the correct endorsement, not a certificate alone.

Frequently asked

Does adding an AI raise my premium?: Usually minimal or free per certificate. Blanket AI endorsements cost $50–$200/year.

Your policy is the only source of truth

Stop guessing. Check your actual policy.

Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.

Upload your policy$3 per analysis · $9 for all 4 tools · No subscription