What it means
With a scheduled endorsement, the insurer lists the additional insured by name, and sometimes the project or location, in the endorsement schedule. CG 20 10 and CG 20 37 are common ISO scheduled forms.
Scheduled endorsements give clear proof that a particular party is covered. The drawback is administrative. Each new party needs an insurer endorsement, which can delay certificates and may carry a fee.
Some contracts require that the client be named specifically, even when the policy already has blanket wording. In that case the insurer may need to add a scheduled endorsement as well.
An example
A hospital system’s vendor manual requires Clearwater Biomedical Services to name the hospital on a scheduled additional insured endorsement. Clearwater’s blanket form would likely apply, but the broker requests a scheduled endorsement to satisfy the contract’s wording.
Names in this example are fictional.
See this term in your own contract.
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Get a free contract checkScheduled additional insured, answered
How long does it take to add a scheduled additional insured?
It varies by insurer. Some add a scheduled endorsement within a day or two, while others take longer or need underwriting review for unusual requests. Delays are common when the contract asks for nonstandard wording. Requesting the endorsement as soon as the contract is signed avoids holding up the start of work.
Do I need to remove scheduled additional insureds when a job ends?
Not usually during the policy term. Many scheduled parties stay on the endorsement until renewal, and completed operations coverage may need to continue under the contract. At renewal, review the schedule with your broker to decide which parties should carry forward based on current and past contracts.
General information only. It is not legal or insurance advice. Only issued policy documents and endorsements describe actual coverage.