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To differentiate between "named insured" and "additional insured," it's important to understand their roles in an insurance policy. The "named insured" holds specific rights and obligations, such as the ability to modify policy aspects (e.g., coverage limits) and the responsibility to provide accurate risk information and pay premiums. Generally, only the named insured is covered under the policy; others cannot claim losses through it. In contrast, an "additional insured" is someone or something else covered by the policy, which extends coverage for losses related to the named insured's activities. However, additional insureds do not share the same rights and responsibilities as the named insured.
