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hey everybody im rob freeman welcome back to ensuring the built environment this week were answering the question what is the difference between a named insured and an additional insured and this is a really important question in the world of solar project development because you often have multiple entities that are working with or for or majority owned by a solar project co like a solar project parent company and then there may be single purpose entities single purpose entity project codes there may be operations codes there may be unrelated solar contractors and lots of moving parts and lots of parties involved in solar project development so a named insured is the owner of the insurance policy theyre the recipient of all the benefits of the insurance policy and theyre also they have all the obligations of that insurance meaning they can not only change the terms of the insurance they can file claims they can add endorsements or change limits but they also have to pay the insura