A person other than the named insuredThe entity (individual or otherwise) whose risk of financial loss from an insured peril is protected by the insurance policy. More who is protected by the terms of the policyLegally binding contract effecting insurance or certificates thereof, including all clauses, riders, endorsements and renewals. More. Most automobile policies, for example, insure a specific individual as an insuredThe entity (individual or otherwise) whose risk of financial loss from an insured peril is protected by the insurance policy. More, but also insure anyone driving with that insured’s consent. The additional insuredA person other than the named insured who is protected by the terms of the policy. Most automobile policies, for example, insure a specific individual... More may be “named” or “unnamed.”