What would you like to do?

What is the difference between a named insured and an additional insured on a general liability policy?

already exists.

Would you like to merge this question into it?

already exists as an alternate of this question.

Would you like to make it the primary and merge this question into it?

exists and is an alternate of .

Attorneys will often say there is no difference, when it comes to extending coverage for legal liability. However, depending the specific additional form used there might be substanial differences in the portion of the general liabilty policy that is extended to the named insured versus the additional insured. For instance, older additional insured forms (CG 2010 11/85) extended coverage to the additional insured for "Products/Completed Operations". New forms use wording such as "ongoing operations of the named insured" that limit coverage to the additional insured to the "Premise/Operations" portion of the CGL form. In addition, an additional insured generally has no right to:
  • Request policy endorsements or cancellation
  • Receive copies of the policy contract, other than the a/i form and a certificate of insurance
The purpose of an additional insured is to protect the rights of another party that might become legally liable for the actions of the named insured. For instance, a landlord might become entangled in a lawsuit caused by the actions of his tenant. By naming the landlord as additional insured, the named insured extends coverage, especially defense costs, to the landlord. The tenant's insurance company would have to defend both the named insured and the additional insured. Additional insured's are a common and increasingly important part of liability insurance. It is important you make sure your agent is aware of the specific nature of the relationship you have with the additional insured, to ensure the proper additonal insured form is provided. I generally like to review my clients contracts - including leases - to make sure the policy and a/i form are compliant.
3 people found this useful
Thanks for the feedback!

Can an insurance company that issued a general liability policy send a bill pursuant to an audit and request additional premiums on a policy that expired 6 months earlier?

Answer   Yes many Liability Policy are subject to audits which occur on policies after the term dates.   The reason for this is that the original policy premium is gen

What does Additional insured mean with regard to general liability?

You are the insured. Your landlord or partner or banker may be the additional insured. They have a financial interest in or liability at stake with whatever it is you are insu

What is a manifestation clause as it pertains to a general liability insurance policy?

A mOn anifestation clause on a full occurence policy completely changes and limits an insured's policy. Most insureds with a manifestation clause on their policy either do not

What is the difference between farm liability insurance and vacant land general liability insurance?

  Farm Liability is often a Farm Comprehensive Personal Liability coverage form and generally covers the land on which you farm as well as the products which you produce a

What is the difference between Comprehensive General Liability insurance and Public and Products Liability insurance?

  The correct term is COMMERCIAL GENERAL LIABILITY. The term Comprehensive General Liability is a old term that was at one time used as well as Public and Products Liabili

What is the difference between general liability insurance and a bond?

  Pretty much the same thing except you pay monthly premiums on liability policies and bonds are usually a one-time deposit of money to your local DMV (Usually around $35,

What is the difference between liability insurance and directors and officers liability insurance?

  If you mean the difference between General Liability (GL) and Director's and Officer's Liability (D&O), GL typically covers your products, premises and operations, adver

What is the difference between personal liability insurance and general liability insurance?

Personal Liability insurance is purchased by individuals and is normally included as part of a residential insurance policy, such as a Homeowners, Condo or Tenants package. It

How is general liability insurance different from public liability insurance?

Technically, there is no difference between the two, besides the  fact that many of the public and product liability risks are often  covered together under a general liabil

What coverages are included in a Commercial general liability insurance policy?

The insurer's general undertaking in most liability policies is to pay those sums that the insured becomes legally liable to pay as damages because of bodily injury or propert

What are the difference between the marine Insurance policy and insurance certificate?

A Marine Insurance Policy is the actual contract of insurance between the insurer and the insured. Most of these policies are what is being referred to a Open Marine policies