Additional Insured in Florida
An additional insured is a party added to an insurance policy who receives coverage for claims arising from the named insured's activities. In Florida commercial real estate and construction, additional insured requirements are standard contract provisions that allocate risk between parties.
Commercial Real Estate
Florida commercial leases routinely require tenants to carry general liability insurance and name the landlord as an additional insured. This protects the landlord from claims by customers, visitors, or delivery personnel injured on the tenant's premises. The landlord's coverage under the tenant's policy is limited to claims arising from the tenant's use and occupancy, not from the landlord's own negligence or building maintenance failures.
Construction Applications
Florida construction contracts create chains of additional insured requirements. The owner requires the general contractor to name them. The general contractor requires subcontractors to name both the contractor and the owner. Each party's policy responds to claims arising from the insured party's work, providing multiple layers of coverage. Florida builder's risk and general liability policies are structured to accommodate these requirements.
Related Terms
Barnes Walker Business Law
Barnes Walker reviews insurance requirements in Florida commercial leases and construction contracts. Contact us to ensure your contracts properly allocate risk.
Reviewed by the attorneys at Barnes Walker, Goethe, Shea & Robinson, PLLC