Who is an "Insured?" Not as basic a question as it may sound. Status as an insured must exist before ANY question of coverage can be tackled – if the individual or entity is not an insured, there is no reason to go any further researching a loss. The best-designed insurance program does little good if the person or entity suffering loss or being held financially responsible is not an "insured." Knowing who is, is not, and who can be an "insured" will lead to a great program being made better by allowing any unintended gaps in insured status to be exposed and corrected before loss occurs.

Who is the "You" in a personal lines policy? Beyond the "You," who else is insured and to what level? Knowing who "You" is and who all the other insureds are is of utmost importance when placing a homeowners' or personal auto policy. And sometimes, who is insured is different from one part of the coverage form to another. The differences require an in-depth look.

Participants in this webinar will learn:

• The four levels of insured (beginning with "You")
• Where the "You's" stuff and liability is protected
• Endorsements available to alter the definition of an "Insured"
• The proper use of these endorsements