Your business insurance applies to those named on the contract you sign. The first “named insured” is normally the party who is contracting with the insurance company and should be the party with the most significant interest in the insurance policy.
You may include other entities on your policy and provide them coverage under your limits of insurance. It is crucial that you talk to your agent or broker about all parties you wish to cover so you don’t leave out someone you want to insure or include someone you don’t. It may be the case that a party would be more appropriately added to your policy as an “additional insured” by endorsement. Your agent or broker can advise you on this matter.
There are some liability insurance products that offer “blanket” protection covering all or many employees; other products apply to select individuals, who must be named on the policy. Your agent or broker can help you decide which is most appropriate for your company.
