TradeGuardAdditional insured for landlords and property managers
Landlords and property managers require tenants and vendors to name them as additional insured so a claim arising from that party's activity is picked up by the party's own insurer. For premises leased to a tenant, the common endorsement is CG 20 11.
Why property managers require it
A property manager sits between owners, tenants, and vendors, and inherits blame when something goes wrong on a property. Requiring tenants and vendors to add the owner and the management company as additional insured means a slip-and-fall in a tenant's leased space, or damage caused by a vendor's crew, is first tendered to that party's insurer, not the owner's. Across a portfolio, that's the difference between a vendor's claim and your claim.
The endorsements that apply
For a landlord added to a tenant's liability policy for premises leased to that tenant, CG 20 11 (managers or lessors of premises) is the common ISO endorsement. For vendors and contractors doing work at a property, the construction-style endorsements (CG 20 10 for ongoing, CG 20 37 for completed operations) apply the same way they do for a GC. Name both the ownership entity and the management company where your agreements require it.
Keeping it verified at scale
The hard part for property managers isn't knowing the requirement; it's holding it true across dozens of tenants and vendors whose policies renew on different dates. A certificate that named you correctly last year means nothing if this year's renewal dropped the endorsement. This is exactly where tracking every certificate, and getting flagged when a renewal comes back without additional insured, stops being paperwork and starts being protection.
When a subcontractor uploads a certificate, TradeGuard reads it and records whether you're listed as an additional insured, and the exact name shown. Set “require additional insured” on a trade, and any sub whose COI doesn't include it is flagged automatically, so a missing endorsement doesn't slip onto your site unnoticed.
TradeGuard tracks additional-insured status, the named party, and your endorsement notes in one place. It doesn't replace reading the actual endorsement form; always confirm the specific form and edition with your broker.
This is general information, not legal or insurance advice. Endorsement forms, editions, and coverage vary; confirm requirements with your broker and the terms of your subcontract.
FAQ
Which additional insured endorsement do landlords use?+
For a landlord added to a tenant's policy for the leased premises, CG 20 11 (managers or lessors of premises) is common. For contractors working at the property, CG 20 10 and CG 20 37 apply as they would for a general contractor.
Should the management company be named too, or just the owner?+
Typically both: the ownership entity and the management company, wherever your lease or vendor agreement requires it, so a claim can be tendered on behalf of each.
Stop trusting the checkbox
TradeGuard reads every subcontractor's certificate, records whether you're listed as additional insured, and flags the ones that aren't, before they're on your job site.
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