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A named insured is entitled to 100% of the benefits and coverage provided by the policy. An additional insured is someone who is not the owner of the policy but who, under certain circumstances, may be entitled to some of the benefits and a certain amount of coverage under the policy.
Designated Insured Endorsement \u2014 an optional endorsement available for commercial auto policies that allows for listing entities who ask to be named insureds for vicarious liability under the policy.
Key Takeaways. An additional insured extends liability insurance coverage beyond the named insured to include other individuals or groups. An additional insured endorsement protects the additional insured under the named insurer's policy allowing them to file a claim if sued.
In an insurance policy, an additional insured refers to anyone other than the policyholder who is covered by an insurance policy. Coverage might be limited to a single event or it could last for the policy's lifetime.
A named insured is entitled to 100% of the benefits and coverage provided by the policy. An additional insured is someone who is not the owner of the policy but who, under certain circumstances, may be entitled to some of the benefits and a certain amount of coverage under the policy.
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A named insured is a person who's covered outright under a renters or home insurance policy \u2013 that includes the policyholder and anyone else living with them related by blood, marriage, or adoption.
Named insureds are the parties who purchased insurance who appear on the policy declarations page. Insureds do not appear on the policy's declarations page. They are individuals or business entities entitled to receive insurance payments after suffering a loss.
This endorsement identifies person(s) or organization(s) who are "insureds" under the Who Is An Insured Provi- sion of the Coverage Form. This endorsement does not alter coverage provided in the Coverage Form.
To address the CG 20 10's gap in completed operations coverage after 1985, the Insurance Service Office (ISO) created CG 20 37 Additional Insured \u2013 Owners, Lessees or Contractors \u2013 Completed Operations. As the name implies, this endorsement provides coverage to the additional insured for completed operations.
CG 20 37 04 13: Additional Insured \u2013 Owners, Lessees Or Contractors \u2013 Completed Operations. Covers the additional insured for liability arising from injury or damage occurring after the work is completed.

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