Being named as an “additional insured” means a party is added to your insurance policy so its protection extends to them too. In a commercial lease, the landlord asks to be listed as additional insured on your liability policy, so they are covered if a claim arises from something at your space.
Additional insured vs. certificate holder
These get confused often:
- Certificate holder: just receives your certificate of insurance as proof of coverage.
- Additional insured: is actually covered under your policy, not just notified.
Landlords typically want both, and your lease will spell it out.
What this means for your lease
It is a standard, low-friction step. When you request your COI, you simply ask your insurer to add the property manager as additional insured at the required limits. WareSpace tells you exactly what to list, so it takes minutes, not weeks. See how move-in works on our pricing page or book a tour.
