In this episode of Scandals: Insurance Uncovered, hosts Theresa Guertin and Amy Lamb return to untangle the next layer of additional insured (AI) endorsements. From broad form ISO endorsements like CG 2033 and CG 2038 to custom manuscript nightmares, they explore how language, privity, and policy design can make or break your coverage.

Whether you're an insurance pro, broker, or risk manager, this episode offers a deeper look into how endorsements affect ongoing vs. completed operations, contractual risk transfer, and the true meaning behind "blanket additional insured." Spoiler alert: It's not always what it seems.

You'll learn:

• The real difference between CG 2033, CG 2038, CG 2040, and CG 2039
• How privity requirements can leave insureds uncovered
• Why some manuscript endorsements are like playing Chutes and Ladders with your policy
• What courts have said (and not said) about blanket AI forms
• Red flags to watch for in policy schedules and contract language

Tune in and uncover the hidden traps in your endorsements—before they slide your client straight into a claim denial.

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Resources from this Episode:

CG 2033 07 04 – Broad Form Additional Insured Endorsement (Ongoing Operations)

CG 2038 12 19 – Broad Form AI Endorsement expanding beyond privity

SDV Law White Paper on State Farm AI Endorsements

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Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode!

Reach us directly at ⁠⁠[email protected]⁠⁠

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Connect with our hosts: Theresa Guertin& Amy Lamb

⁠⁠linkedin.com/in/theresaguertin/⁠⁠

⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠

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