Recognizing the Unique Status of Additional Named Insureds
Mark M. Pomerantz · FLASH - Fordham Law Archive of Scholarship & History (Fordham University) · 1984
cally designated as the insured in the original policy'-and an additional insured-a party protected under the policy without being named therein 6 -is well established.7 The two entities are treated differently in many aspects of insurance law.8 5. R. Osler & J. Bickley, supra note 1, at 102; see Levanthal v.American Bankers Ins.Co., 159 Ga.App.104, 106, 283 S.E.2d 3, 5 (1981); Pelych v. Potomac Ins.Co., 91 Misc.2d 973, 978, 401 N.Y.S.2d 374, 378 (Sup.Ct. 1977); Holthe v. Iskowitz, 31 Wash.2d 533, 539, 197 P.2d 999, 1005 (1948).The named insured is always an insured, unless there is a clearly stated condition placing him in another category.Rig Tenders, Inc. v. Santa Fe Drilling Co., 585 P.2d 505, 508 (Alaska 1978); see Tenopir v. State Farm Mut.Co., 403 F.2d 533, 535 (9th Cir.1968); Holthe v. Iskowitz, 31 Wash.2d 533, 539, 197 P.2d 999, 1005 (1948).6. R. Osler & J. Bickley, supra note 1, at 3; 43 Am.Jur.2d Insurance § 704, at 759 (1982).A common example of an additional insured is a person covered under a liability policy by a definition of insured that extends protection to interests, not specifically designated, according to a status, such as that of employee, R. Osler & J. Bickley, supra note 1, at 102; 43 Am.Jur.2d Insurance § 721, at 789-90 (1982); see Randolph v. Fireman's Fund Ins. Co., 255 Iowa 943, 946, 124 N.W.2d 528, 529 (1963); Commercial Union Ins. Co. v.St. Paul Fire & Marine Ins.Co., 211 Va.373, 375, 177 S.E.2d 625, 627 (1970), or household member, 43 Am.Jur.2d, Insurance § 704, at 759-60 (1982); see Cal-Farm Ins.Co. v. Boisseranc, 151 Cal.App.2d 775, 777, 312 P.2d 401, 402 (1957); DeWitt v. Young, 229 Kan.474, 476-77, 625 P.2d 478, 481 (1981); State Farm Mut.Auto.Ins.Co. v. Walker, 334 S.W.2d 458, 460 (Tex.Civ.App.1960).Another common example is an additional insured pursuant to an omnibus clause that, by its definition of insured, extends coverage to permissive users of the named insured's automobile without naming them in the policy.R.