The availability of “Additional Insured” liability insurance coverage may enable a contractor, design professional, municipality or other organization to receive insurance protection for their claims without having to rely upon their own insurance programs, and thus avoid driving up their own insurance premiums. As a matter of course, business, frequently require that those with whom they do business insure or indemnify them against loss or liability. Additional Insured coverage yields at least three direct benefits. First, Additional Insureds may be afforded a legal defense against a lawsuit. Second, Additional Insured coverage may pay for any liability or loss suffered. Third, Additional Insured coverage can provide coverage without having to pay co-insurance obligations, deductibles or self-insured retentions (SIR).