Recruiter's Glossary

Examples: Policy Binding • Underwriting • Policy Rider

Additional Insured

Term from Insurance industry explained for recruiters

Additional Insured is a common insurance term that refers to a person or organization that is added to someone else's insurance policy for protection. Think of it like adding an authorized driver to your car insurance. For example, when a contractor works for a large company, that company often asks to be added as an "additional insured" on the contractor's insurance policy. This way, if something goes wrong, both the contractor and the company are protected. Insurance professionals who work with this concept help determine who needs to be added to policies, process these additions, and ensure all paperwork is correctly handled.

Examples in Resumes

Processed over 200 Additional Insured requests monthly for commercial clients

Managed documentation and verification of Additional Insured certificates

Trained new team members on Additional Insured endorsement procedures

Typical job title: "Insurance Professionals"

Also try searching for:

Insurance Specialist Risk Management Specialist Insurance Coordinator Certificate Specialist Commercial Lines Account Manager Insurance Account Handler Policy Administrator

Where to Find Insurance Professionals

Professional Associations

Online Communities

• LinkedIn Insurance Professionals Group
• Reddit r/Insurance
• Insurance Journal Forums

Job Resources

Example Interview Questions

Senior Level Questions

Q: How would you handle a complex Additional Insured request involving multiple parties and international coverage?

Expected Answer: A senior professional should explain the process of evaluating coverage needs across different jurisdictions, coordinating with underwriters, and ensuring compliance with various regulatory requirements. They should mention experience with international insurance certificates and managing complex stakeholder relationships.

Q: Describe a situation where you had to resolve a coverage dispute involving Additional Insureds.

Expected Answer: The answer should demonstrate experience in conflict resolution, knowledge of policy interpretation, and ability to negotiate between parties while maintaining professional relationships and ensuring compliance with insurance regulations.

Mid Level Questions

Q: What are the key elements you verify when processing an Additional Insured request?

Expected Answer: Should mention checking the contractual requirements, verifying the correct forms are used, ensuring proper documentation, and confirming coverage limits meet the requirements. Should also discuss communication with clients and internal stakeholders.

Q: How do you explain Additional Insured requirements to clients who are unfamiliar with insurance terms?

Expected Answer: Should demonstrate ability to communicate complex insurance concepts in simple terms, provide examples, and show patience in explaining requirements to ensure client understanding.

Junior Level Questions

Q: What is an Additional Insured endorsement and why is it important?

Expected Answer: Should be able to explain that it's a policy change that extends coverage to another party, and why businesses might require this protection. Basic understanding of the concept and its common uses should be demonstrated.

Q: What documentation is typically needed for Additional Insured requests?

Expected Answer: Should list basic requirements like certificates of insurance, contractual agreements, and forms, showing familiarity with standard processing procedures.