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to start we need to make a distinction between adding additional and shorts and the named in short if this is your policy then you are the named in short being the named in short on a policy confers certain rights and obligations for instance you have the right to modify aspects of the policy like the limits coverages or mailing address its also your responsibility as the named in short to provide the insurance company with accurate information about the risk theyre taking on and to pay the premiums normally only and named in short is covered under an insurance policy if someone else suffers a loss they cannot claim that loss through your policy if an additional insured then is someone or something that is also or additionally covered by your insurance policy it extends your coverage to these additional insurance for losses that they sustained but only insofar as those losses relate to your activities additional insurance do not have the same rights and responsibilities isnt named i
