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The text distinguishes between "named insured" and "additional insured" in an insurance context. The named insured has specific rights and responsibilities, including the ability to modify the policy and the obligation to provide accurate risk information and pay premiums. Only the named insured is covered under the policy, meaning third parties cannot claim losses through their coverage. In contrast, an additional insured is someone or something that also receives coverage but only for losses related to the named insured's activities. Additional insured parties do not possess the same rights and responsibilities as the named insured.
