Blanket Additional Insured

A blanket additional insured endorsement is one of the most operationally efficient endorsements a tree service company can carry. Instead of requesting a separate endorsement every time a new client, property manager, or general contractor requires additional insured status, the blanket form provides it automatically to anyone you are contractually obligated to insure.

Here is how it works in practice: you sign a contract with a property management company that requires you to name them as additional insured. As long as you have a blanket additional insured endorsement on your GL policy and the contract is in writing, the property management company is automatically covered. You still issue them a COI reflecting their additional insured status, but you skip the step of calling your agent to add them by name.

For tree service companies that take on dozens or hundreds of jobs per year — each with different clients requiring AI status — the blanket endorsement saves significant time and eliminates the risk of starting a job before the individual endorsement is processed.

Most contractor-grade GL policies include blanket additional insured coverage at no extra charge, but the form language varies. The broadest versions cover both ongoing and completed operations. Narrower versions only cover ongoing operations, meaning the client loses their additional insured protection once you leave the job site. If your contracts require completed operations coverage for additional insureds, confirm your blanket endorsement includes it.