Is contractual liability coverage the same as additional insured?

No. Contractual liability covers your promise to pay for their loss. Additional insured makes them an insured with their own right to a defense under your policy. Contracts ask for both.

Should I sign a broad-form indemnity?

That is a legal question for your attorney, and a negotiating one. We can tell you what your policy covers of it; we do not give legal advice.

Can you check the insurance requirements in my contract?

Yes. Paste the insurance section into our free Contract Insurance Decoder and it names the endorsement behind each clause, flags the ones that are often missing, and prints a checklist, without the text leaving your browser. Send that with your current policy and a licensed agent compares them line by line, usually the same business day.

A landscape contractor in the cab of his pickup on a commercial property at dusk reading a long contract with a highlighter, irrigation pipe in the truck bed

Does my insurance cover the indemnity (hold harmless) clause in my contract?

Partly. Standard general liability (CG 00 01 04 13) covers tort liability you assume in a contract as an "insured contract", for bodily injury or property damage to a third person, where the law allows the indemnity. It does not cover every promise in a broad-form indemnity, endorsements such as CG 24 26 or CG 21 39 narrow it, and state anti-indemnity laws void some clauses outright.

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The forms, side by side

Form	What it does	Blanket or scheduled	Carrier availability	What to ask your agent	Common trap
CG 00 01 insured contract	Covers tort liability you assume for injury or damage to others	Standard form	Every ISO policy	Has any endorsement changed the definition?	Assuming it covers contract breach or the other party’s own fault
CG 24 26 04 13	Limits it to losses caused in whole or in part by you	Endorsement	Common	Is CG 24 26 on the policy?	Gaps on a broad-form indemnity
CG 21 39	Contractual Liability Limitation: removes assumed tort liability	Endorsement	Varies by carrier	Is CG 21 39 on the policy?	Leaves most construction indemnities uninsured

CG 00 01 insured contract
What it does
Covers tort liability you assume for injury or damage to others
Blanket or scheduled
Standard form
Carrier availability
Every ISO policy
What to ask your agent
Has any endorsement changed the definition?
Common trap
Assuming it covers contract breach or the other party’s own fault
CG 24 26 04 13
What it does
Limits it to losses caused in whole or in part by you
Blanket or scheduled
Endorsement
Carrier availability
Common
What to ask your agent
Is CG 24 26 on the policy?
Common trap
Gaps on a broad-form indemnity
CG 21 39
What it does
Contractual Liability Limitation: removes assumed tort liability
Blanket or scheduled
Endorsement
Carrier availability
Varies by carrier
What to ask your agent
Is CG 21 39 on the policy?
Common trap
Leaves most construction indemnities uninsured

The detail

The CG 00 01 contractual liability exclusion does not apply to liability "assumed in a contract or agreement that is an 'insured contract', provided the 'bodily injury' or 'property damage' occurs subsequent to the execution of the contract or agreement."
ISO endorsements reproduced in Risk & Insurance Education Alliance, "Certificates of Insurance and Additional Insureds" course materials (2019)
CG 24 26 04 13 limits that part of insured contract to injury or damage "caused, in whole or in part, by you or by those acting on your behalf", and only to the extent your assumption of the tort liability is permitted by law.
ISO endorsements reproduced in Risk & Insurance Education Alliance, "Certificates of Insurance and Additional Insureds" course materials (2019)
California voids construction contract provisions that "purport to indemnify the promisee against liability for damages" arising from "the sole negligence or willful misconduct of the promisee".
California Civil Code section 2782

What this means for you

Sign after the policy is checked. Coverage applies only to injury that occurs after the contract is executed. Signing late opens a gap.
Broad form promises more than insurance pays. An indemnity for the general contractor’s own sole negligence is void in California and unlikely to be insured anywhere. Ask an attorney about the clause and your agent about the policy.
Additional insured is the second half. The contract usually wants both: you indemnify them, and they are an additional insured on your policy. The two respond differently and both are checked.

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Need this handled?

Reading about it and having it handled are different jobs, and the second one is ours. We place the accounts other brokers decline — claims history, a cancellation, an unusual operation, a business nobody wants to underwrite twice — and we will tell you when the policy you already have is the right one. Tell us the situation and a licensed human replies the same business day.