InsuranceForEstheticians Independent U.S. Guide
Intent Focus: Additional Insured Endorsement for Esthetician Suite Lease

Additional Insured Endorsements for Estheticians

How to add your salon suite landlord or spa facility as an Additional Insured on your insurance policy to satisfy commercial lease agreements.

IE
InsuranceForEstheticians Editorial Research Team
Reviewed by: Commercial Underwriting & Licensed Cosmetology Compliance Board Reviewer
Published:
•
Updated:
Direct Executive Answer & Core Ruling
An Additional Insured endorsement extends your commercial general liability coverage to your suite landlord or property management company, protecting them if a client sues both of you after an accident inside your rented room. Most suite landlords mandate this on your Certificate of Insurance before handing over room keys.
What We Know from the Official Source
ISO Additional Insured - Managers or Lessors Form Verified:

ISO endorsement CG 20 11 designates the manager or lessor of the premises as an additional insured with respect to liability arising out of the ownership, maintenance, or use of that part of the premises leased to the named insured.

Official Source: ISO Endorsement CG 20 11 (Managers or Lessors of Premises)
Table of Contents

When you sign a commercial lease for a salon suite (at franchises like Sola, Salon Republic, My Salon Suite, or Phenix), the lease contract contains an Indemnification and Insurance Clause requiring you to name the landlord as an Additional Insured.

1. What is an Additional Insured?

An Additional Insured is a third-party person or corporate entity added to your existing insurance policy via an endorsement form. It provides the named entity with legal defense and liability protection if they are named as a co-defendant in a lawsuit arising from your operations.

2. Why Commercial Landlords Require It

If a client slips on massage oil inside your rented suite room and fractures an elbow, the client's attorney will almost certainly sue both you (the tenant) and the building owner (the landlord). The Additional Insured endorsement ensures that your insurance carrier steps in to defend the landlord, sparing their building insurance from paying claims resulting from your suite activities.

3. How to Generate an Endorsement

  1. Obtain the landlord's exact legal entity name and mailing address from your lease agreement (e.g., "Sola Salon Studios Suite 104 / Sunshine Properties LLC").
  2. Log into your insurance portal or request a digital certificate. Providers like BBI offer free, instant digital Additional Insured certificates, while others may charge a nominal $10–$25 fee.
  3. Download the updated Certificate of Insurance (COI) and email it to your landlord or property manager.

4. Common Mistakes to Avoid

  • Certificate Holder vs. Additional Insured: Merely listing the landlord as a 'Certificate Holder' only entitles them to receive mail copies; it does NOT grant them legal insurance protection. Make sure the 'Additional Insured' box is checked on the ACORD 25 form.
  • Misspelled Entity Names: Ensure the corporate entity matches the lease verbatim to avoid lease execution delays.

Frequently Asked Questions

Does naming my landlord as Additional Insured give them access to my policy funds?
An Additional Insured endorsement only extends your general liability defense to the landlord if they are named in a lawsuit arising directly from your suite operations. It does not allow the landlord to file personal claims against your policy.