Lenders & Contracts · Insurance Term
Blanket Additional Insured Endorsement (Blanket AI)
Definition
A blanket additional insured endorsement automatically makes any person or company an additional insured on your liability policy when a written contract requires it, without naming each one. It saves time when you sign many leases, vendor agreements or service contracts.
In Plain English
Without a blanket endorsement, each landlord, lender or client that needs additional insured status must be added one by one, which takes time and risks someone being missed. A blanket endorsement covers everyone who meets its conditions.
The conditions matter. Most blanket forms require a written contract signed before the loss, and they may limit coverage to ongoing operations, to injury caused by your acts, or to the limits the contract requires. Some also include primary and noncontributory wording; others do not.
Owners use blanket endorsements on their own policies for property managers and lenders, and they ask tenants and contractors to carry them too. A certificate of insurance can reference a blanket endorsement, but the endorsement itself controls.
Not sure how your policy handles this? Have us review it, or get a quote.
Example
Hypothetical: a landscaping contractor services 40 commercial properties under written contracts that require additional insured status. Instead of 40 separate endorsements, its policy has one blanket endorsement covering anyone it agreed in writing to add.
Why It Matters for Texas Property Owners
For construction contracts in Texas, the Anti-Indemnity Act (Insurance Code Chapter 151) can make some additional insured requirements unenforceable to the extent they would cover a party's own negligence. Have an attorney review construction contract terms.
What to Watch For
- Ask for the full blanket endorsement, not just a summary.
- Check whether it requires a written contract signed before the loss.
- Confirm whether it covers completed operations as well as ongoing work.
- Compare the endorsement's limits and primary wording with your contracts.
Sources
Last updated October 14, 2026 · Primesure editorial team · How We Write