Landlords: Do you Require Tenants to Name You as Additional Insured

[glitch99]

@Full_Disclosure

From reading the language about an additional insured, it seems like the landlord would only be covered based on my own actions. So if I bear no liability for a harm, my insurance policy wouldn’t cover the landlord’s liability. But my liability is already covered by my insurance, so the only benefit seems to be when my landlord is named in an action but I am not. I cannot picture a scenario where that’s the case, and the judge would almost certainly try to bring me into the action anyway.

If a guest slips on the sidewalk, both the tenant and landlord are going to be sued. With a third-party claim, I cant see many instances where there wouldnt be mutual liability (or rather, the claim of mutual liability - ie, sue everyone and hope something sticks).