What should I ask about additional insured requests?

Short answer

Bring the exact customer request and relevant contract to the licensed professional. Availability and effect depend on the applicable coverage and forms, not simply adding a name to a certificate.

An illustrative example

A customer requests additional insured status for an AI project.

This is a hypothetical situation, not a real customer outcome or a coverage determination.

Three facts to prepare

• Requested entity
• Coverage requested
• Contract wording

Use a brief, accurate summary. Separate confirmed facts from assumptions; keep passwords, identity numbers, private customer records and confidential documents out of an initial marketplace request.

A question to bring to the right professional

Which form is available and what does it actually change?

Use the real agreement and accurate service facts. Counsel reviews legal obligations; a licensed insurance professional reviews available terms and applicable forms. These roles should coordinate where necessary, but a contract requirement, certificate or vendor promise should not be treated as a coverage determination.

Sources and scope

• Travelers: technology errors and omissions risk examples

  Insurer-authored context on technology service allegations and differences in policy wording. Product descriptions apply to that source; they are not LunarQuote offers or evidence of a partnership.

• NIST: AI Risk Management Framework

  A voluntary framework for organizing AI risk. It is not an insurance contract, certification or determination of legal compliance.

Sources supply the stated background, not a determination about the illustrative case. The example, checklist and discussion prompt are LunarQuote educational material. Source links checked October 5, 2026.