Persons covered under an insurance policy, whether named or not, are known as the?

The correct term for persons covered under an insurance policy, whether they are specifically named in the policy or not, is "insureds." This term broadly encompasses all individuals or entities that the insurance policy protects against loss, meaning coverage extends beyond just those specifically listed as named insureds.

"Named insureds" refers specifically to those individuals or entities explicitly mentioned in the policy, typically available in the declarations page. This designation does not capture those who are automatically included for coverage under the policy but are not explicitly named within it.

"Additional insureds" includes individuals or entities that are granted coverage by endorsement to the policy and are not the primary parties listed as named insureds. This distinction emphasizes that while they enjoy some benefits of the insurance, they are not necessarily included by default.

"First named insureds" indicates the primary party listed in the declarations and may hold additional rights and responsibilities within the policy, which applies specifically to the named insured category.

Understanding these terms helps clarify the full scope of coverage a policy provides and identifies the different types of insured parties within an insurance agreement.