Named insured,
defined.
The named insured is the person or business specifically listed on an insurance policy as the primary policyholder.ghts and responsibilities under the policy, including the duty to pay premium and the authority to request changes, and receives the fullest coverage the policy provides.
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Named insured vs additional insured
The named insured is the policy's owner; additional insureds are added by endorsement and receive narrower, operation-specific coverage. There can be more than one named insured on a policy.
Because the named insured controls the policy, change requests and endorsements are typically authorized by them or their broker.
Common questions
Can a policy have more than one named insured?
Yes. A policy can list multiple named insureds, such as related business entities or spouses. Each named insured generally shares the rights and duties under the policy, subject to its terms.
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