# What is an additional insured on a policy? *Reviewed 2026-05-15* ## Short answer An additional insured is a person or business added to your policy so that it also receives certain coverage for liability connected to your work. Clients, landlords, and general contractors commonly require it in contracts, so that claims arising from your operations can be defended under your policy rather than only theirs. Adding an additional insured extends some of your policy's protection to another party, usually for liability tied to the work you do for them. It is different from a certificate of insurance, which only proves coverage exists; an additional insured endorsement actually changes who is covered. Contracts often require it so the client or landlord is protected against claims that stem from your activities. The scope depends on the endorsement, so it is worth confirming the contract's wording matches what your policy provides. ## Related - [Insurance coverage options](/insurance) - [Contact our team](/contact)