A third party added to someone else's insurance policy so they're also covered.
An additional insured is a party other than the named insured who is granted protection under an insurance policy. On construction projects, owners and general contractors frequently require subcontractors to add them as additional insureds on the subcontractor's commercial general liability policy. This grants the additional insured the right to file claims directly under that policy for covered losses arising from the subcontractor's work.
A roofing subcontractor lists the general contractor as an additional insured on its CGL policy before starting work on the project.
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