Additional insureds

An additional insured is a person or entity added to an insurance policy beyond the primary policyholder, typically at their request. This means they are protected under the same policy and can make claims if they face a covered loss related to the insured activity. This arrangement is common in business or construction projects, where a company wants to ensure subcontractors or partners are also protected against legal or financial risks associated with the work. Essentially, it broadens the coverage to provide peace of mind for all parties involved in a shared responsibility.