Designated insured for covered autos liability coverage wording and examples

Compare Designated insured for covered autos liability coverage forms

Designated insured for covered autos liability coverage forms compared by Intent, Coverage context, Conditions and limits
Form	Intent	Coverage context	Conditions and limits
Auto-Owners Insurance Company Designated Insured for Covered Autos Liability Coverage 58503 (1-15) Commercial Auto	Identifies scheduled people or organizations as insureds for covered autos liability.	Requires each scheduled person or organization to qualify under the policy’s who-is-an-insured provision.	Uses a schedule or declarations to identify the persons or organizations.
Auto-Owners Insurance Company Designated Insured for Covered Autos Liability Coverage - Blanket Coverage 58504 (1-15) Commercial Auto	Identifies eligible people or organizations without requiring a named schedule.	Still requires the person or organization to qualify under the policy’s who-is-an-insured provision.	The blanket wording does not, by itself, make every person or organization an insured.

“Each person or organization shown in the Schedule is an insured”

Auto-Owners Insurance Company · Designated Insured for Covered Autos Liability Coverage · 58503 (1-15)

Scheduled parties. The schedule identifies parties, subject to the separate qualification requirement.

“but only to the extent that person or organization qualifies as an insured”

Auto-Owners Insurance Company · Designated Insured for Covered Autos Liability Coverage - Blanket Coverage · 58504 (1-15)

Qualification. The blanket wording remains subject to the policy’s who-is-an-insured provision.

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