Who is referred to as the named insured in an insurance policy?

In an insurance policy, the named insured is specifically defined as the individual or entity who is directly covered under the terms of the policy. This person is listed on the Declarations page, which outlines the primary details of the policy, including the parties who are insured. The named insured is the one who has the authority to make changes to the policy, file claims, and is primarily responsible for the policy's terms and conditions.

In contrast, additional insured parties are those who may receive coverage under the policy but are not the primary holders. Individuals with an indirect interest do not have the same rights or responsibilities as the named insured, as their coverage may not be as comprehensive or direct. The insurer's representative refers to the company or individual acting on behalf of the insurance provider, which is not tied to the coverage or rights provided by the policy. Thus, identifying the named insured correctly is crucial for understanding who is entitled to benefits or has obligations under the insurance policy.