Can an additional insured make changes to a policy or cancel it?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 9, 2012

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Insurance Question from Horseneck Beach, MA

Asked on 05/09/2012

Can an additional insured make changes to a policy or cancel it? I had a HO policy in my name "Jane Doe, Life Tenant". The property was owned by a trust and the trustees were listed as additional insureds. Do those additional insureds have the legal right to make changes to the policy and cancel it?

Answer given on May 18, 2012

A homeowner policy will add an additional insured for liability purposes, usually at no cost. However, the additional insured does not have the right to make any changes to the insurance policy. Only the named insured can make a change, or cancel the insurance. If there are any changes made by the named insured, the additional insured will usually get a copy of the change, simply for their information.If the parties in question were a named insured, and not an additional insured, they still would not have the right to cancel or change the policy unless they were the first named insured. If you, as life tenant is listed first, then only you can make any changes to the policy or to cancel it.If the insurance agent or company allowed changes to be made by the additional insureds, they were in error and they can be held legally responsible if there was a loss that was not covered due to the error.

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