Construction will never be accident proof, which is why good construction contracts should always allocate the risks posed by potential jobsite accidents.
Additional insured endorsements are a common method by which owners and general contractors can obtain insurance coverage under the commercial general liability (CGL) policies of lower-tier contractors. However, the nature and extent of this coverage and its interplay with indemnification clauses in construction contracts should make all parties reevaluate their risk strategies before beginning a project.
(Reprinted from Construction Executive, May 2008, a publication of Associated Builders and Contractors. Copyright 2008. All rights reserved.)