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What does designated insured endorsement mean?

This endorsement identifies person(s) or organization(s) who are insureds for Covered Autos Liability Coverage under the Who Is An Insured provision of the Coverage Form. This endorsement does not alter coverage provided in the Coverage Form.

What is the difference between commercial liability and personal liability insurance?

The main difference, however, is that personal liability insurance covers for injuries or damages that the insured is personally held responsible for while general liability policy, which is also called commercial general liability insurance, pays for the costs incurred from bodily and property harm associated with a

What is a CA2048 endorsement?

Additional Insured Status Under the BAP In lieu of an additional insured endorsement many insurers often issue the Designated Insured endorsement CA 20 48. It does nothing except state that we are insureds to the degree that we are included in the policy definition of insured.

What is the benefit of being named additional insured?

A named insured is entitled to 100% of the benefits and coverage provided by the policy. An additional insured is someone who is not the owner of the policy but who, under certain circumstances, may be entitled to some of the benefits and a certain amount of coverage under the policy.

What are the risks of adding an additional insured?

There is also a risk of being under-insured or uninsured as additional insureds. Second, there is the risk of breaching a contract, thus potentially becoming the insurer of the other party when they are the party obligated to provide additional insured coverage.

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