The Importance of Accuracy: Why Your Name Matters

The Importance of Accuracy: Why Your Name Matters on an Insurance Policy

When it comes to insurance, attention to detail is paramount. The accuracy of your name as the Named Insured is critical to ensuring the insurance policy is valid. Our customers often ask about including the “Doing Business As” (DBA) names on the policy. Let’s delve into why having the correct name on your insurance policy is so crucial.

Legal Compliance:

An insurance policy is a legally binding contract between the insurance carrier and a real “person.” That “person” can be a natural person or a legal person (formed by the filing of specific documents such as Articles of Incorporation or Articles of Organization). Any disparities in your name on the policy might cause complications or even lead to policy voidance.

Smooth Claims Processing:

In the unfortunate event that you need to file a claim, having the correct name on your policy can streamline the claims process. Discrepancies or misspelled names may result in delays or even denials, leaving you without the financial support you were counting on.

Identification and Verification:

Your name is a primary means of identification. Insurance companies use this information to verify your identity and link you to your specific policy. Inaccuracies in your name could lead to confusion and hinder the efficient processing of your policy-related requests.

Communication and Documentation:

Clear communication is vital in the insurance industry. Having the correct name ensures that you receive important communications regarding your policy. Moreover, it facilitates proper documentation, reducing the chances of administrative errors.

Preventing Identity Confusion:

Insurance policies often involve multiple parties, such as beneficiaries or additional insureds. Accurate names help prevent identity confusion, ensuring that benefits go to the intended recipients without unnecessary hurdles.

Including DBA Names:

The use of “Doing Business As” (DBA) names is common in certain industries – it is often the name that the business is known as in the community, but for various reasons it is not the same as the name the business is legally registered as. It is important to exercise caution and make sure the name on the insurance policy matches the exact legal name of the business. Insurance policies are tailored to cover specific entities, and including DBA names might introduce confusion, lead to potential coverage gaps, and inadvertently limit coverage.


In the world of insurance, accuracy is key. Getting the details right from the start is an investment in your peace of mind. Additionally, being mindful of the potential limitations in coverage when including DBA names is essential for a comprehensive and effective insurance strategy.

Disclaimer: This article is intended for general informational purposes only. Any liability is disclaimed as to reliance on, or use of, the information contained herein. The article is not intended to constitute and should not be considered legal or other professional advice, nor shall it serve as a substitute for obtaining such advice. If specific expert advice is required or desired, the services of an appropriate, competent professional, such as an attorney or accountant, should be sought.

To download a PDF version of this blog, please click here: