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An additional named insured is a person or business that is named somewhere else in the policy. An additional named insured will have the same rights as a \u201cNamed Insured\u201d but typically won't be responsible for the premium.
The word \u201cprimary,\u201d which entered English in the 15th century, is from the classical Latin primarius, which means \u201cof the first rank or importance,\u201d according to the Oxford English Dictionary.
A primary policy is the first policy to respond to a loss or claim. An excess policy is the second policy that responds to the same claim or loss and essentially sits \u201con top\u201d of the primary policy. Umbrella Insurance is a common type of an excess policy.
Primary designates that one party's liability policy is responsible for responding to a claim first before another entity's policy applies. Noncontributory stops the primary party's insurer from seeking contribution from the other entity's policy for paying a claim.
First-party coverage. As an additional insured, Party Two obtains direct first-party protection with the insurer's declarative duty to defend Party Two, not merely an expectation of reimbursement for the judgment amount and the defense costs under Party One's contractual coverage (which has some strings attached).
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Primary and non-contributory endorsements or policy language make a specific insurance policy PRIMARY, meaning, to go first, and non-contributory, meaning, without contribution, over other insurance policies of a specific party; this party is typically an additional insured.
Examples of additional insured Janitorial and floor waxing businesses can create slippery situations where someone might take a spill. A building or business that hires cleaners may require being added as an additional insured on the cleaner's general liability insurance.
Noncontributory generally means that an insurer has agreed not to seek its independent right to contribution when two or more insurers apply to the same accident for the same insured. In this context, noncontributory appears to be shorthand for the insurer giving up its right of contribution.
An example of primary is the first stage in a child's development. An example of primary is a color, such as blue, that cannot be made by mixing other colors. An example of primary is an original research study on a subject, rather than a summary of that study.
The waiver of subrogation acts similarly to the primary and noncontributory wording. You waive the right of your insurance company to try to get partial or full repayment on the claim, which means your insurance company foots the entire bill. In some cases, this can raise your premiums, costing you more money.

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