Hassle-Free Business Insurance
What kind of work do you do?
Business owner looking at certificate of liability
Choose from the nation's best insurance providers
Logos of Insureon's business insurance carrier partners


An insured is the person or business entity that receives financial support or other benefits after an insurance claim.

What is an insured?

Insured is a generic term that refers to any person or entity legally entitled to receive the benefits of an insurance policy, typically claim payments. Insurers make payments to insureds after they experience a covered loss, damage, or an injury that qualifies for payment under the policy’s terms.

This could include damage to property owned by the named insured (the person who purchased the policy) or a third party.

What is the difference between an insured and a named insured?

An insured party is any person or entity that is legally qualified to receive insurance payments after a loss occurs. A named insured is a more specific term referring to individuals or companies listed on a policy’s declaration page.

Compare small business insurance quotes from top U.S. carriers

What are some examples of insureds?

General liability insurance and business owner’s policies have multiple insureds. Listed in the policy section “Who is an insured?”, they include company employees, executives, volunteers, and others. However, insureds only receive insurance protection while fulfilling their duties on behalf of the named insured.

For example, an employee who damages someone else’s property while fulfilling his job duties is an insured under his employer’s general liability insurance. That means his company’s policy will pay for the damage he caused.

Similarly, commercial auto insurance policies extend coverage to insureds in addition to the named insured. For example, most auto insurance policies provide liability coverage to anyone driving the named insured’s vehicle, including someone hired to do so.

Clients or customers who get injured are not considered insureds. Although they may receive insurance benefits, they are referred to as claimants, since they don’t work for the named insured.

Compare quotes from trusted carriers with Insureon

Insureon helps small business owners compare insurance quotes with one easy online application. Start an application today to protect your business.

Updated: April 29, 2022
Compare insurance quotes for your business
Save money by comparing insurance quotes from multiple carriers.
Tips for how to save money on your insuranceLearn what an additional insured is and how to add one to your policyAdditional insured vs. loss payee: What’s the difference?When do you need a certificate of general liability insurance?When do you need a certificate of workers’ compensation insurance?