A KD employee was injured at a Trident facility when a compressor exploded—KD's actions didn't cause the injury. Trident was named as an additional insured on KD's liability policy. The insurance company denied coverage, but the court ruled that the additional insured endorsement covered Trident anyway because the injury arose out of KD's operations at the site. This means additional insured coverage can protect you even when your own actions didn't directly cause the loss.
Additional insured endorsements protect the other party even if your company didn't cause the injury—as long as it happened during your operations at their location.
Make sure your insurance policy's additional insured language covers 'arising out of' your operations, not just injuries you directly caused.