Completed Operations end for Addl. Insured

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PostPosted: Wed Jun 06, 2007 5:15 pm   Post subject: Completed Operations end for Addl. Insured  

I am the Risk Manager for a Busy General Contractor in Colorado. Can you tell me if it is easy for a construction sub contractor to obtain an endorsement for addl. insured on completed operations per our contract requirements? I am hearing that yes it is readily available and reasonable in cost from 1 agent, and no its difficult to find this type of coverage from most of the other agents.

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PostPosted: Tue Jun 12, 2007 6:27 pm   Post subject:   

Hi Mr. Busy General Contractor in Colorado,

Yes, it should be fairly easy for a sub contractor to obtain an additional insured endorsement for completed operations on there commercial policy. This is usually on a per job basis. The premium for this could vary, depending what company your insured with and/or how big the job is.

I want to make sure I am understanding you. The job you are working on, the additional insured is requesting an completed operations endorsement from you, so you are also requiring your sub contractors to have it...correct?




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PostPosted: Tue Jun 12, 2007 7:50 pm   Post subject:   

It is available in NJ for a premium & must be endorsed onto a policy as the blanket additional insured endorsements usually only appy to ongoing operations. Also, make sure his coverage and endorsement renew for a few years because the completed operations hazard will still exist, even though the contractor may be out of business - in which case he would need discontinued operations coverage.

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PostPosted: Tue Jun 12, 2007 8:16 pm   Post subject:   

In NH it is a simple process to add Additional Insureds on to your policy. Depending on the type of policy you have, it is either a $30 charge, or there is no cost at all.

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