Scheduled Additional Insured
An endorsement that names a specific party as an additional insured on the policy, listed by name and address on a schedule.
What It Is
A Scheduled Additional Insured endorsement specifically names a person or organization on the policy by listing them on a schedule attached to the endorsement. Unlike blanket forms, which rely on triggering contract language, a scheduled endorsement leaves no ambiguity — the named party is explicitly listed.
Scheduled additional insured endorsements are typically used when a contract requires proof that a specific entity has been added by name, or when the carrier does not offer a blanket form. Common ISO forms used for this purpose include CG 20 10 (ongoing operations) and CG 20 37 (completed operations), both of which contain a schedule section.
Because each party must be individually listed, scheduled endorsements require a mid-term endorsement request to the carrier every time a new additional insured needs to be added.
Why It Matters for Brokers
Brokers managing construction accounts or real estate portfolios often deal with dozens of scheduled additional insured requests per month. Each request requires a submission to the carrier, turnaround time, and verification that the endorsement was correctly issued. Missing a scheduled AI request — or having the wrong name or address on the schedule — is a common E&O exposure. Some certificate holders will reject a COI if the scheduled endorsement does not exactly match their legal entity name.
Real-World Example
A mechanical contractor is hired for a $5.8M hospital renovation. The owner, Regional Health Systems Inc., requires a scheduled additional insured endorsement naming them at their exact legal address: 1200 Medical Center Blvd, Suite 400, Austin, TX 78701. The broker submits the request to the carrier and receives CG 20 10 04 13 and CG 20 37 04 13 with the schedule completed. The certificate is then issued showing the specific endorsement numbers and the certificate holder's name matching exactly.
Common Mistakes
- 1Listing the trade name instead of the full legal entity name on the schedule, causing the certificate holder to reject the COI.
- 2Forgetting to request the endorsement from the carrier and issuing a certificate that references additional insured status not yet endorsed onto the policy.
- 3Not tracking expiration — when the policy renews, scheduled endorsements must be re-requested if they are not carried forward automatically.
How brokerageaudit.com Handles This
COI Manager maintains a database of certificate holder legal entity names and addresses, ensuring consistency across all certificates. Policy Checker verifies that every scheduled additional insured listed on an issued certificate has a matching endorsement in the policy file. Submission Intake flags renewal accounts that had scheduled AI endorsements in the expiring term so brokers can re-request them proactively.