CGL Additional Insured Tender Letter
Notice of Claim and Additional Insured Tender
[DATE]
Via [POLICY-AUTHORIZED OR SELECTED DELIVERY METHOD]
[INSURER NAME]
[DESIGNATED CLAIMS RECIPIENT]
[ADDRESS AND EMAIL]
Re: Notice of claim and tender for [TENDERING PARTY]
| Matter | Information |
|---|---|
| Named insured | [NAME] |
| Tendering party | [NAME AND LEGAL CAPACITY] |
| Policy number and period | [NUMBER]; [START] to [END] |
| Additional insured endorsement | [FORM OR ENDORSEMENT NUMBER, EDITION, DATE] |
| Incident or loss | [DATE, LOCATION, BRIEF DESCRIPTION] |
| Underlying claim or suit | [CLAIMANT, COURT, CASE NUMBER OR DEMAND DATE] |
| Response contact | [NAME, ADDRESS, EMAIL, PHONE] |
Dear Claims Representative:
[TENDERING PARTY] gives notice of the claim described below and tenders its defense and any covered indemnity under the above policy and actual additional insured endorsement. Please acknowledge receipt and assign a claim number.
Basis for the tender
[NAMED INSURED] and [TENDERING PARTY] entered into [CONTRACT NAME AND DATE] for [SPECIFIC WORK OR RELATIONSHIP]. Section [NUMBER] provides: “[QUOTE THE RELEVANT INSURANCE REQUIREMENT.]” The policy endorsement at [NUMBER/PAGE] provides: “[QUOTE THE ACTUAL ADDITIONAL INSURED GRANT AND ANY RELEVANT LIMITATION.]” [IF NO ENDORSEMENT IS AVAILABLE: State that its existence and terms need confirmation; request a complete copy rather than asserting coverage.]
The underlying [COMPLAINT / WRITTEN DEMAND / INCIDENT NOTICE] dated [__/__/____] alleges [ACCURATE SUMMARY OF ALLEGATIONS, WITHOUT ADMITTING THEM]. The alleged [BODILY INJURY / PROPERTY DAMAGE / OTHER RELEVANT HARM] occurred at [LOCATION] on [__/__/____]. The connection to [NAMED INSURED]'s [WORK / OPERATIONS / PREMISES] is [FACT OR ALLEGATION WITH EXHIBIT AND PAGE]. [DESCRIBE WHEN WORK OCCURRED AND WHETHER THE CLAIM CONCERNS ONGOING OR COMPLETED OPERATIONS IF THAT DISTINCTION APPEARS IN THE ENDORSEMENT.]
These facts support [TENDERING PARTY]'s request that the insurer evaluate additional insured status and [DEFENSE / INDEMNITY / BOTH] under the policy terms. [IF VERIFIED IN THE ACTUAL POLICY: Identify any primary and noncontributory endorsement, waiver of subrogation, self-insured retention, or defense-counsel provision by exact form and page.] I do not assume those terms from the underlying contract or a certificate of insurance.
Requested response
Please provide a written coverage position identifying the policy and endorsements reviewed, the decision on defense and indemnity, any reservation or asserted limitation, the assigned claim handler, and any information reasonably needed to evaluate this tender. The underlying response or appearance date is [__/__/____]; please advise by [REQUESTED DATE] so that [TENDERING PARTY] can address that deadline. [IF COUNSEL HAS ALREADY BEEN RETAINED: Identify counsel and request a discussion of defense coordination and documented fees.]
This notice does not concede liability, coverage, the scope of the endorsement, allocation among insurers, or a waiver of any available position. Please preserve and provide the complete policy, declarations, endorsements, and relevant claim correspondence if those materials have not already been supplied.
Enclosures
| Exhibit | Document and date | Relevant passage |
|---|---|---|
| A | [UNDERLYING CLAIM OR COMPLAINT] | [PAGE/PARAGRAPH] |
| B | [CONTRACT INSURANCE PROVISION] | [PAGE/SECTION] |
| C | [POLICY OR ADDITIONAL INSURED ENDORSEMENT, IF AVAILABLE] | [FORM/PAGE] |
| D | [OTHER RELEVANT RECORD] | [PAGE] |
Respectfully submitted,
[SIGNATURE]
[PRINTED NAME AND CAPACITY]
[TENDERING PARTY OR COUNSEL]
[ADDRESS]
[EMAIL AND PHONE]
About this template
- Last updated
- September 26, 2026
- Jurisdiction
- All states
- Category
- Insurance Law
Legal authority
- Applicable CGL policy and additional-insured endorsement, identified below
- Applicable state insurance law, to be selected for the claim
Insurance law covers the rights of policyholders against insurance companies that deny claims, delay payment, or undervalue losses. Demand letters, proof of loss forms, and bad-faith complaints all have their own state-specific deadlines and format requirements. Carefully written insurance paperwork puts the claim on the record, triggers the insurer's legal obligations, and preserves the right to recover extra damages if the insurer behaves badly.
Not legal advice
This template is provided for informational purposes. We recommend having an attorney review any legal document before signing, especially for high-value or complex matters.
Checked against the law it cites
The statutes this template relies on are listed under Legal authority.
Tex. Ins. Code § 1811.153 (state-specific example only) (checked September 26, 2026): "A certificate of insurance shall not confer to a certificate holder new or additional rights beyond what the referenced policy or any executed endorsement of insurance provides."
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