A blanket additional insured endorsement automatically extends additional insured status to any person or organization that your written contract requires you to add, without needing to issue a separate endorsement for each project. Instead of contacting your agent every time you sign a new subcontract and waiting for a specific endorsement to be issued, the blanket endorsement covers all such requirements automatically as long as a written contract or agreement is in place.
For busy roofing contractors who work with multiple GCs across many projects, a blanket additional insured endorsement streamlines compliance and reduces administrative burden. Without it, you must request individual endorsements for each GC on each project, which creates delays in getting your COI to the GC and risks starting work before the endorsement is confirmed by your carrier.
Blanket endorsements typically include both ongoing operations (CG 20 10 equivalent) and completed operations (CG 20 37 equivalent) coverage for the additional insured. They also often include automatic primary and noncontributory status and waiver of subrogation when required by contract. The key requirement is that a written contract must exist before the loss occurs; oral agreements do not trigger blanket coverage. Ask your broker to confirm that your blanket endorsement covers completed operations, not just ongoing work, since that is a common gap that can leave GCs unprotected after project completion.