The language of a policyholder’s insurance policy determines whether all those premiums will translate into dollars paid after a loss.  For the most part, it is the insurance company that controls that language.  Therefore, it is very important that policyholders pay attention to that language at the time they buy insurance to be sure that

The insurance application process is often the only time a policyholder thinks of who should be covered under a policy. Most policies have a “named insured” and  other “insureds” specifically listed.  “Additional insureds” can also be added by endorsement or operation of specific language in the policy.  A recent case demonstrates the importance of considering