Named Insured
Definition. A Named Insured is a person or organization specifically listed on the policy declarations as an insured party — distinct from Additional Insureds (who have limited rights) or unnamed insureds covered automatically by policy definitions.
Also known as: First Named Insured
The Named Insured is the entity that contracted with the carrier and owns the policy. The First Named Insured (when multiple entities are named) has special administrative responsibilities and rights: receives notices, makes elections, requests cancellation, etc.
Compare with: Additional Named Insured (added later with full insured rights but not first-named status), and Additional Insured (limited liability-only protection, no other insured rights).
Example
ABC Plumbing LLC is the Named Insured on the GL policy. The owner Jane Doe is automatically an insured (employees and officers are usually covered by definition). The landlord, added by endorsement as Additional Insured, is protected only for liability arising from ABC Plumbing's operations at the leased premises.
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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