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Who is Covered?

  • 1st named insured
    • responsible for upholding the duties and obligations of the policy agreement
    • will receive any premium refund, cancellation and non-renewal notices if applicable
  • Named insured or additional named insured
    • usually associated with the "1st named insured"
    • may be liable for duties and obligations outlined in the insurance contract
    • also receives any settlement of any claim
    • ladies--make sure that you are named on the policy so that in case of a loss you will be included in the compensation (i.e., your name will be included on the check)
  • Additional insured
    • NOTE:  this is not the same as an additional "named" insured
    • in a homeowner's policy, includes resident relatives and any person under the age of 21 and in the care of any insured or named insured
    • in a business policy, this coverage is usually added as an endorsement to the insurance policy for business owners by contractors for protection against liability if a claim is made
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