Pro Con, Inc. sued to enforce its status as an additional insured under a subcontractor's insurance policy. The court ruled that Pro Con qualifies as an additional insured because the subcontractor (CCS) had agreed in writing to add Pro Con to the policy. The insurer must defend Pro Con in a separate lawsuit. This matters because it shows that written agreements requiring additional insured status are enforceable and create real insurance coverage for subcontractors.
Get written confirmation from your general contractor or client that you'll be named as an additional insured on their insurance policy—this court enforced exactly that.
Additional insured status gives you defense coverage if you're sued, even if you weren't the direct party to the original contract.
Keep copies of all agreements requiring additional insured status; they're your proof if you need to claim coverage later.