Who are persons covered under an insurance policy referred to as?

The term "insureds" refers to persons covered under an insurance policy. In insurance terminology, this encompasses all individuals or entities that are protected by the coverage provided in the policy.

In the context of insurance policies, "named insureds" specifically refers to those individuals or entities that are explicitly listed on the policy as covered parties, whereas "additional insureds" denotes those who are added later to the policy for specific coverage, typically for liability purposes. The "first named insured" is the individual or entity listed first on a policy, generally holding additional rights or responsibilities compared to other named insureds.

Understanding these distinctions is crucial, as it impacts the level of coverage, rights, and obligations each party has under an insurance contract. Therefore, recognizing that "insureds" is a broader category that includes all individuals covered by the policy helps clarify the extent of protection offered to policyholders.