Expanding Your Protection: What You Need to Know About Adding an Additional Insured

How naming an additional insured strengthens your professional relationships, meets contractual requirements, and enhances trust.

What’s an Additional Insured and Why Does It Matter?

In liability insurance, protecting your practice isn’t just about covering yourself. It can also serve as the foundation for building strong professional relationships while ensuring others who may be involved in your professional activities are safeguarded.

An additional insured is a person or entity specifically named on your liability insurance policy. Coverage is extended to them, but only for liabilities resulting from your professional covered activities, not their independent actions.

Not just anyone can be named as an additional insured. That’s why we’re here to help clarify any confusion about who qualifies under our policy. We’ll guide you on why this designation matters, and when it comes into play, so you can feel confident that your coverage is both comprehensive and appropriate.

Now that you know what an additional insured is, let’s explore why you might need one.

Why Add an Additional Insured to Your Policy?

When managing professional relationships, contracts, or events, liability insurance is a cornerstone of protection. It shields against costs associated with claims of bodily injury or property damage caused by your actions.

Sometimes, however, circumstances arise where others—like landlords, event organizers, or clinic owners—require protection under your insurance policy. In fact, adding an additional insured is often based on requirement. This is where adding an additional insured comes into play.

For example, if you’re renting a space for your practice, naming your landlord as an additional insured ensures they’re protected if someone files a lawsuit related to your activities on their property.

How EMPA Makes Adding an Additional Insured Easy

As a professional association dedicated to energy practitioners, EMPA provides comprehensive liability insurance tailored to your unique needs. Our memberships include bundled professional and general liability insurance, along with access to valuable resources like regulatory tools, ongoing education, and a supportive network of peers—making it simple and affordable to add an additional insured when needed.

Here’s how it works with EMPA:

1. Start with a Contract or Written Agreement: Make sure you have a written agreement with the additional insured outlining the terms and conditions of coverage. This ensures everyone is clear on the expectations and scope of protection.
2. Pay a Nominal Fee: For just $10 each, you can add an additional insured to your policy—an affordable way to meet requirements and build trust.

Still have more questions? There is a lot to learn when it comes to insurance and protection! Feel free to check out our FAQ page for more insight.

Who Doesn’t Need to be Added as an Additional Insured?

While adding an additional insured is helpful, it does not apply in every situation. Here are examples of who doesn’t qualify or does not need to be added to your policy:

1. Business Partners: Your business partner will require their own separate liability policy. Your coverage through EMPA protects your individual work with clients.
2. Spouses, Employees, and Volunteers: These individuals are already covered for liabilities arising from your professional activities. (If they provide services themselves, they’ll need their own professional liability coverage.)

Expand Your Practice Protection

Whether it’s a landlord, an event venue, or a shared workspace, this small step demonstrates your commitment to professionalism and risk management. For a minimal fee, you can safeguard your practice and meet contractual obligations.

Let’s Protect Your Practice Together

At EMPA, we’re here to help you protect your practice and build trust in every professional relationship. We invite you to visit our website to learn more about your coverage options or start your application today!

Disclaimer: This article is for educational purposes only and does not provide legal or medical advice. The examples are general, and coverage may vary by policy. Always refer to your insurance provider or policy language for specific details, as the policy terms take precedence. For legal concerns related to your practice, consult an attorney.