In some forms of insurance the insurers may require to be notified of additional insurances effected or may require the insured to warrant that he will not affect them.

An additional insured is an entity (individual, partnership, or corporation) that is protected under the terms of an insurance policy issued to the insured named on declarations page. The additional insured is added by endorsement. The addition may be temporary (as in a building owner temporarily adding a contractor) or permanent (as with tenants in a commercial building naming a landlord).An additional insured is extended protection under the named insured’s policy. This means that the additional insured is protected, under the named insured’s policy, for any loss that arises out of the operations performed by, or on behalf of, the named insured. For example, suppose that Jim owns a dry cleaner inhe has leased from Sue. Jim has commercial general liability coverage and has named Sue, his landlord, as an additional insured. Jim cleans his floors one day before opening and fails to remove all the water and soap. A customer walks in, slips, and breaks an arm. The customer sues Jim for negligence in maintenance of the premises and Sue as well. Sue, as an additional insured, is covered under Jim’s policy. Note: This does not mean that Sue does not need her own liability insurance. There may be cases where someone is hurt on the premises and it is the landlord’s negligence. In this case,

a building however, Sue’s insurance would pay only if Jim’s insurance pays the policy limit.

Additional Named Insured

An entity can also be added as an additional named insured. In this case, the first named insured is extending coverage to the entire operations of the additional named insured. In the previous example, Jim would then cover Sue if she failed to maintain the sidewalk in front of a pizza parlor several hundred feet away from Jim’s dry cleaner.

Although they are common, the named insured and additional named insured endorsements are not uniformly worded and there is some confusion as to what exactly is covered. Policyholders should carefully consult an insurance professional before adding the endorsement.

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A person, company or entity protected by an insurance policy in addition to the insured.

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One who qualifies as an insured under the terms of a policy even though not named as insured. Officers of a corporation may be included as insureds under the terms of a policy written in the name of the corporation.

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A second beneficiary added to the same policy; for example, the children of the insured.

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An endorsement that conveys additional insured status on a party that otherwise is not insured on the policy.

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.

This coverage, found in homeowners forms, provides payment for extra expenses made necessary by the insured’s inability to reside in the insured dwelling because of a covered loss—for example, restaurant meals and hotel bills. The amount payable is the difference between normal household expenses and the increase.

Part of the homeowners insurance policy, additional living expense reimburses the policyholder for the extra cost of living elsewhere while the house is being restored from an insured peril. It is also known as “Loss of Use” coverage. (See Homeowners Insurance).