Who can be considered as an "Additional Insured" on a policy?

An "Additional Insured" is typically a person or organization that is included in an insurance policy, specifically through an endorsement that modifies the policy to extend coverage to that party. This addition is often done to provide protection or liability coverage for parties that have a legitimate interest in the insured's activities, such as subcontractors, business partners, or landlords.

The inclusion of an additional insured allows them to be covered under the primary insured's policy, which can help protect them in the event of a claim related to the primary insured’s operations or actions. The endorsement is crucial as it establishes the relationship and the extent of coverage provided to the additional insured, helping to clarify legal responsibilities and liabilities.

In contrast, only the primary insured, underage individuals in the care of the insured, and relatives of the primary insured do not automatically qualify as additional insureds under a standard policy without a specific endorsement. Each of these groups has distinct statuses or relationships that do not inherently grant them additional insured status unless explicitly stated in the policy terms. Thus, the choice that accurately describes who can be considered an additional insured is the one stating that it is a person or organization added by endorsement.