Additional insured also known as additional named insured or named insured, is a person or organization that is protected under an insurance policy which is originally purchased by another person or organization. Additional insured normally applies within property insurance or liability insurance, but it is a part or element of other insurance policies as well. Normally it applies where the purchaser wants to provide coverage to additional people or parties to protect them from a risk which may be caused by the purchaser's or named insured's conducts.
An additional named insured normally gets this status through an endorsement on the insurance policy. It either identifies the additional insured by a general description or by name.
