May 14th, 2025
2 min read
By Anya Charles
In liability insurance, protecting your practice isn’t just about covering yourself. It can also serve as the foundation for building strong professional relationships while ensuring others who may be involved in your professional activities are safeguarded.
An additional insured is a person or entity specifically named on your liability insurance policy. Coverage is extended to them, but only for liabilities resulting from your professional covered activities, not their independent actions.
Not just anyone can be named as an additional insured. That’s why we’re here to help clarify any confusion about who qualifies under our policy. We’ll guide you on why this designation matters, and when it comes into play, so you can feel confident that your coverage is both comprehensive and appropriate.
Now that you know what an additional insured is, let’s explore why you might need one.
When managing professional relationships, contracts, or events, liability insurance is a cornerstone of protection. It shields against costs associated with claims of bodily injury or property damage caused by your actions.
Sometimes, however, circumstances arise where others—like landlords, event organizers, or clinic owners—require protection under your insurance policy. In fact, adding an additional insured is often based on requirement. This is where adding an additional insured comes into play.
For example, if you’re renting a space for your practice, naming your landlord as an additional insured ensures they’re protected if someone files a lawsuit related to your activities on their property.
As a professional association dedicated to energy practitioners, EMPA provides comprehensive liability insurance tailored to your unique needs. Our memberships include bundled professional and general liability insurance, along with access to valuable resources like regulatory tools, ongoing education, and a supportive network of peers—making it simple and affordable to add an additional insured when needed.
Here’s how it works with EMPA:
Still have more questions? There is a lot to learn when it comes to insurance and protection! Feel free to check out our FAQ page for more insight.
While adding an additional insured is helpful, it does not apply in every situation. Here are examples of who doesn’t qualify or does not need to be added to your policy:
Whether it’s a landlord, an event venue, or a shared workspace, this small step demonstrates your commitment to professionalism and risk management. For a minimal fee, you can safeguard your practice and meet contractual obligations.
At EMPA, we’re here to help you protect your practice and build trust in every professional relationship. We invite you to visit our website to learn more about your coverage options or start your application today!
Disclaimer: This article is for educational purposes only and does not provide legal or medical advice. The examples are general, and coverage may vary by policy. Always refer to your insurance provider or policy language for specific details, as the policy terms take precedence. For legal concerns related to your practice, consult an attorney.
Anya is a writer with a passion for education and storytelling. She has spent over a decade working in wellness industries. She creates engaging content that informs, inspires, and supports professionals in this field - and beyond. When she’s not writing, she’s planning her next trip abroad, reading novels, or trying (and often failing) to keep her houseplants alive.
Topics:
EMPA Insurance policies are underwritten by Tokio Marine Specialty Insurance Company which is a wholly owned subsidiary of Philadelphia Consolidated Holding Corporation (PHLY), a member of the Tokio Marine Group. Tokio Marine Specialty is an Excess and Surplus lines commercial insurance carrier serving specialized industries in all 50 states, including Washington, D.C. and the U.S. Virgin Islands. PHLY is rated “A++” (Superior) by the A.M. Best Company and “A+” by Standard & Poor’s.
The information provided on our website does not guarantee any coverages or services, nor does it constitute legal, tax or insurance advice; instead, all information, and materials available on this site are for general educational purposes only.