Entity other than a named insured who is protected under the terms of an Insurance Policy. Usually additional Insureds are added by endorsement or referred to in the wording of the definition of insured in the Policy itself. By Name -Additional insured(s) identified by name, typically on declaration page or endorsement to the declaration page of another’s Policy. By Reference -Additional insured who is covered as a member of a class or group having a relationship, specified in an Insurance Policy’s definition of insured(s), to the named insured (such as the employees of the named insured or those having the named insured’s permission to operate an insured vehicle). Additional Interest -Interest of an additional insured.Additional Living Expenses Insurance : Policy which reimburses the insured for increased living costs when loss to insured property forces temporary residence elsewhere. Examples are the cost for a hotel or motel and the extras cost for restaurant meals.