Requirement for the tenant to add the landlord to their liability policy.
Also known as: Named Insured
By Angel Campa, Founder · Updated March 2026
Naming the landlord as an additional insured on the tenant's CGL policy means the landlord is covered under the tenant's policy for claims arising from the tenant's operations. Without this, the landlord must rely solely on their own insurance or the indemnification clause, which requires collecting from the tenant. This is a standard requirement that rarely costs the tenant additional premium but provides critical protection for the landlord.
In the "Insurance" section, typically stated as "Tenant shall name Landlord as an additional insured on all liability policies." The clause may list specific entities that must be added (landlord, property manager, mortgagee).
Lextract uses a combination of AWS Textract OCR and Claude AI to identify and extract the additional insured from your lease PDF. The AI searches for the field name and common aliases like "Named Insured" across all pages of the document, then assigns a confidence score based on OCR quality and extraction certainty. Fields with lower confidence are flagged for human review.
CGL Occurrence Limit
The minimum liability coverage required for a single incident.
CGL Aggregate Limit
The total maximum liability coverage required for the policy period.
Property Insurer
Specifies whether the landlord or tenant insures the physical building/improvements.
Waiver of Subrogation
A mutual agreement preventing insurers from suing the other party to recoup losses.
Indemnification Scope
The extent to which the tenant holds the landlord harmless from liability claims.
In most cases, adding the landlord as an additional insured costs nothing or a minimal fee ($25-$100 per endorsement). The insurer adds the landlord via an endorsement to the existing CGL policy. Some policies include blanket additional insured coverage by default.
The lease typically requires the tenant to name the landlord entity, the property management company, and sometimes the landlord's lender as additional insureds. The specific entities should match the names listed in the lease to ensure there are no coverage gaps.
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