HighCOI-AI-MISSINGAdditional insured not shown
Additional insured endorsement is required by the subcontract and is not shown on the certificate
Without additional insured status the owner has no direct right to the subcontractor's policy and must tender through indemnity, which is slower and contestable.
Remedy Require the CG 20 10 and CG 20 37 endorsement forms, not merely a checked box on the certificate.
observed not shownrequired requiredsource coi_gl_39_299.pdf p.1