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Named insured

A named insured is a person or business entity listed on an insurance policy’s declarations page.

What is a named insured?

Named insureds are individuals or firms to whom an insurance company provides small business insurance. The insurer lists them on its policy declarations page.

What are some examples of named insureds?

Examples include people, sole proprietorships, business partnerships, corporations, or other business entities.

How is a named insured different from an insured?

Named insureds are the parties who purchased insurance who appear on the policy declarations page.

Insureds do not appear on the policy’s declarations page. They are individuals or business entities entitled to receive insurance payments after suffering a loss. They can also be company employees or executives who are entitled to insurance protection while performing their job duties.

Do named insureds have specific obligations to their insurer?

Yes. For example, named insureds on commercial auto insurance policies are required to report cases of property damage or bodily injury to their insurance company. They are obligated to notify police in the event of vehicle theft.

General liability insurance policies require that named insureds keep records of the information insurers need to calculate a policy’s premium.

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Updated: April 29, 2022
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