The insured’s client requires an additional insured status on a primary non-contributory basis, but the insurer does not offer the endorsement. (Photo: iStock)

Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions. Analysis brought to you by our FC&S experts. 

Question: One of our contractor insureds has insurance with Travelers. The insured’s client requires an additional insured status on a primary non-contributory basis and requests ISO CG 2001 endorsement. Travelers does not use this endorsement because Travelers amended its policy form to include ‘other insurance’ under ‘conditions.’ The Travelers underwriter agrees with us that there is no difference. What are your thoughts?

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