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Connect With Us. Call Email Claims Contact. Sherman took a job replacing the roof on a residence. In this instance, Sherman contracted directly with the homeowner. Although not addressed in the written proposal accepted by the homeowner, Sherman promised to provide the homeowner with a certificate of insurance that shows the homeowner as an additional insured.
Jim overheard the certificate request and, after checking, found that the agreement to add the homeowner as an additional insured was not in writing. Jim informs his staff that coverage for the additional insured must be scheduled when there is no written agreement between the named insured and the additional insured. On a larger commercial project, Sherman has been engaged as a subcontractor by Malcolm General Contractors. The owner of the project is Oak Hill Towers, and the project is a story, mixed-used office and retail building; Sherman has contracted with Malcolm to fabricate and install all of the roofing.
In its subcontract with Malcolm General Contractors, Sherman has agreed in writing to include Malcolm as an additional insured. According to that case law, the CG 20 33 includes as an additional insured only the person or organization with whom Sherman has a direct written contract — in this instance Malcolm. The direct contract requirement — meaning Sherman would have to contract directly with the owner, Oak Hill Towers — has been removed from CG 20
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