Adding broker to liability insurance?

Here is the difference between a broker being able to enforce the above clauses and adding them as additional insured.

If a broker has a judgement for $200K and you have one for $600k for the same accident. You have a million insurance. Without having them added as additional insured your insurance would pay the $600k and then fight with broker about paying the $200k.

If they had been added, your insurance would pay $500K of the $600k and then also the $200k for the broker. There is some question if they would pay the extra $100k you owe since limits not met.

And despite the clause, brokers normally only have judgements if they are found to have some form of negligence on there part. And in those cases they could not collect from you or insurance regardless of what a contract says.

 

What are you pulling?

 

If your business is insured by an affordable business liability insurance coverage then you won't have to worry of the attorney's fee or court expenses if by chance you are sued by a client. The payments you did for cheap commercial liability insurance are really worth the charge when you compare them to the future expenses of legal cases.
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http://www.avalonrisk.com/questnewsletter/quest/2009-Apr/C.H._Robinson.htm

Wonder how that happened? If Robinson is unsuccessful in the appeal then we just set a precedent and created a new case law.