What is a requirement for someone to be considered a named insured?

For an individual to be classified as a named insured on an insurance policy, they must be explicitly listed on that policy. This designation holds significant importance because it outlines who is covered under the policy terms. Being named on the policy ensures that this individual has the rights to the coverage provided and can also invoke those rights in the event of a claim.

The other options do not fulfill the requirements for being considered a named insured. Being affiliated with the insurance company, paying a separate premium, or holding an employment position with the insurer does not automatically qualify someone as a named insured. The critical element is that they must be explicitly named on the policy itself. This clarity helps both the insurer and the insured understand who is protected under the terms of the agreement.