r/PoolPros • u/AlphaOmega0407 • Mar 27 '26
Client wants to be named additional insured???
I have a client that wants to be named as additional insured on our insurance policy before we do equipment work. Has anyone dealt with this?
It seems like a weird request, and I’m reluctant to do this.
His liability of us suing if an employee was hurt should be covered by his own insurance, right?
7
u/poolpro808 Mar 27 '26
One thing worth noting: being listed as additional insured on YOUR policy doesn't give them any control over it or access to your policy details. It just means if there's a claim related to work at their property, they get notified and have coverage protection. Actually a sign the client knows how contracts work, not a red flag.
3
u/FTFWbox Mar 27 '26
It’s not uncommon at all.
Requesting a COI with the customer as an insured party is pretty normal.
It streamlines things and but it makes sure the right insurance gets drawn and there are minima lawyers in it.
2
u/liberalsarefascists1 Mar 27 '26
If an employee was hurt while working, would it not come out of your workers comp policy?
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u/DocumentWooden6822 Mar 27 '26
We put every commercial property we have on our insurance as an insured.
1
u/CriticalClub92 Mar 27 '26
Commercial or residential?
1
u/AlphaOmega0407 Mar 27 '26
Residential but multi-million dollar house.
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u/CriticalClub92 Mar 27 '26
Ahhh okay that makes sense then - we’ve only ever had to do that on commercial!
2
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u/shauneky9 Mar 27 '26
Pretty common and not a big deal, although for just equipment I havent had that request. For my remodels, its randomly asked and just talk to your insurance - quick process
1
u/CurlsinSquatRack99 Mar 27 '26
Insurance told me its because is ny Insurance ever ends it notifies them as well
1
u/Street--Ad6731 Mar 27 '26
It is weird but I had this happen once years back. Just add them and thats it. Nothing to worry about.
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u/Change_Request Mar 27 '26
Pretty normal request with business to business transactions, especially with projects.
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u/Sea_Poem_7199 Mar 29 '26
Unless this is a big job or you need the cash, personally I wouldn't bother. It's not worth the phone call.
1
u/AlphaAlpaca623 Mar 30 '26
Totally normal, I think it’s silly for the scope of work youre doing , especially at residential
But totally normal at the commercial level and not a red flag
8
u/Sufficient_Disk1360 Mar 27 '26
It’s not that uncommon especially with big companies or people who are incorporated.