Additional Insured vs Additional Named Insured
Definition. Additional Insured gets limited coverage rights on someone else's policy (typically for a specific operation). Additional Named Insured gets full insured-rights on the policy.
Also known as: AI vs ANI
Routine commercial-lease language often confuses these. AI = third party covered for liability arising from the named insured's work. ANI = full insured with broader rights including notice of cancellation. Landlords usually want AI; co-business-owners need ANI.
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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