In a policy with multiple named insureds, who is identified as the first named insured?

In a policy that includes multiple named insureds, the first named insured is typically identified as the individual or entity listed first on the declarations page of the insurance policy. This designation carries specific implications, including the authority to make changes to the policy, receive notices of cancellation, and manage the payment of premiums.

Understanding the role of the first named insured is crucial because it often delineates responsibilities and rights among the other named insureds. While different aspects of the policy could signify importance or relevance, such as the person paying the premium, the order of listing on the declarations page is the definitive factor in determining who the first named insured is. This clarity ensures that all parties understand their rights and obligations under the policy.