How to Name Someone as an Additional Insured on an Insurance Policy

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Insurance policies are designed to protect the individuals or companies named on the policy. If you would like to extend your coverage to protect someone who is not listed on the policy, you need to add the person's name as an additional insured person on your policy. The policy's liability insurance is then extended to the additional insured party. For example, car insurance companies often require you to name each person in your household on the policy and landlords often require renters to add the landlord's name as an additional insured on a renter's insurance policy.

Call your insurance company. You can find the phone number online or on a recent statement.

Tell the customer service representative that you would like to add someone's name as an additional insured party on your insurance policy.

Provide the person's name and any additional contact information the representative needs.

Ask if there is any additional cost associated with adding an additional insured party to the policy. If so, set up the payment. You might want to ask the person who you are naming as an additional insured party to pay his portion of the premiums.

Tips & Warnings

  • If someone named as an additional insured party makes a claim on your policy, your premiums might increase.
  • Do not name someone against whom you might want to make an insurance claim on your policy. You generally cannot make claims against your own policy. This is particularly applicable when a client asks to be added to your professional insurance policy.

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