What distinguishes a named insured from additional insured?

The distinction between a named insured and an additional insured primarily lies in the specific identification of the named insured in the insurance policy. The named insured is the individual or entity explicitly listed on the policy declaration page, indicating they are the primary party covered by the policy. This designation means they have full rights and benefits under the policy, including coverage and the ability to file a claim.

Additional insureds, on the other hand, are parties that are granted some level of coverage under the policy, but they are not the primary insured. This status is typically added through an endorsement, which means their coverage is more limited and defined by the terms set forth in the policy.

Thus, the correct answer correctly captures the critical aspect that the named insured is specifically named in the policy documentation, which is essential for understanding who has comprehensive coverage and rights under the policy.