Washington State Insurance Practice Exam 2025 – Comprehensive All-in-One Guide to Exam Success!

Additional insureds are individuals or businesses that are protected by an insurance policy, usually regarding a specific interest, and they are added to the policy by an endorsement. This endorsement extends the coverage of the policy to include the additional insured, providing them with certain rights and protections under the policy.

Option B, individuals listed on the declaration page, may not necessarily be additional insureds unless they meet the specific criteria outlined in the policy and are added through an endorsement.

Option C, defendants engaged in hazardous activities, is not a correct definition of additional insureds. Additional insureds are not defined by their engagement in hazardous activities, but rather by the specific interest they hold in relation to the policy.

Option D, those who pay for specific out of pocket expenses for medical and miscellaneous costs, does not accurately describe additional insureds. Additional insureds are designated parties who benefit from the insurance coverage provided by the policy, typically for liability protection, rather than those who pay for specific out-of-pocket expenses.