Blanket vs Scheduled Additional Insured — Which Do You Have?

"Scheduled" and "blanket" describe HOW a party gets additional-insured status. A *scheduled* additional-insured endorsement (such as CG 20 10 or CG 20 37) lists each protected party by name on the endorsement. A *blanket* or *automatic* endorsement (such as CG 20 33 or CG 20 38) grants AI status to anyone the named insured has agreed in a written contract to add — no naming required.

Each has a failure mode. A scheduled form can simply omit you, especially when a sub re-uses an endorsement from a different job — your name isn't there, so you're not covered. A blanket form can't omit you, but it depends entirely on a qualifying signed written contract being in force before the loss; without that contract, automatic status never triggers.

So the verification question differs: for scheduled forms, "is my exact entity on the schedule?"; for blanket forms, "does a signed contract requiring AI status exist?" Either can be valid — what matters is confirming the condition that makes it work.