Automobile Liability Blanket, Additional Insured Endorsement (CA GM 002 10 18)

Provides additional insured coverage for automobile liability. Coverage is extended to any person or organization required by written contract.

What Does This Coverage Include?

Modifies the Business Auto/Commercial Auto policy to address contract-driven risk transfer requirements—particularly Additional Insured status, primary and noncontributory wording, and waiver of subrogation.
Adds **Additional Insured** coverage so a client, project owner, or other required party can be protected for covered auto liability arising from your use of insured vehicles in connection with the agreement.
Helps extend defense and indemnity to the Additional Insured for allegations of vicarious liability tied to your drivers, your operations, or your covered autos—subject to the policy terms and exclusions.
Written on a **blanket** basis, extending the applicable coverage to any person or organization required by written contract—often helpful for contractors working across multiple clients or job sites.
Commonly requested when a contract requires evidence that automobile liability coverage supports the risk transfer provisions in the agreement, especially where vehicles are used on or around a project site.

The following coverages can be included if endorsed elsewhere
Primary and noncontributory status: This endorsement does not state that your auto policy applies on a primary and noncontributory basis for the required parties.
Waiver of subrogation: This endorsement does not waive the insurer’s rights of recovery against required parties following a covered auto loss.

Helps satisfy auto-related contract requirements so required parties can be treated as **Additional Insureds** for covered auto liability tied to your use of vehicles.
Strengthens risk transfer when an accident triggers allegations against multiple parties—for example, when a site owner is named due to operations involving your vehicle.
Streamlines compliance by extending applicable coverage to parties required by written contract, reducing the need to issue a new endorsement for each client or project.
Clarifies how liability is intended to be shared (or not shared) between parties, which can reduce disputes at claim time.