Want to be named as Additional Insured?

Don’t be afraid to ask

Think your business is too small for your third party manufacturer or parts supplier to name you as an Additional Insured on their Product Liability Policy? It probably isn’t.

Most legitimate businesses anticipate this request and see it as a minimum standard for good business practices. It’s common for most manufactures and suppliers to have a blanket vendors endorsement on their Product Liability Insurance policy. They then name their clients as an Additional Insured.

Remember, you’re most likely buying the product based on the word or advertising of the supplier or manufacturer.  If they believe in the safety of their products or manufacturing process, they shouldn’t have a problem naming you as an Additional Insured on their Product Liability Insurance policy.

What if they refuse to name you as Additional Insured?

It’s probably a red flag if your supplier or third-party manufacture won’t name you as an Additional Insured. They should also not fail to provide you with a Certificate of Insurance showing you as Additional Insured. Without these in place, you can assume your supplier or manufacture probably doesn’t have a Product Liability Insurance policy. In that case, I suggest you consider finding another manufacturer or supplier.