What does the term "an insured" mean in an insurance policy?

The term "an insured" in an insurance policy refers to an individual or entity that is covered or entitled to benefits under the insurance contract. This includes anyone for whom the insurance policy provides protection, which may range from an individual to a business entity. The definition is crucial because it delineates who can file a claim under the policy and receive benefits in the event of a covered loss.

For instance, if someone has a homeowners insurance policy, the insured would encompass not only the policyholder but possibly also family members residing in the same household, depending on the specific terms of the policy. Understanding who qualifies as an insured helps in determining coverage applicability and potential liabilities.

The other choices identify different parties related to the insurance process but do not accurately define "an insured." The insurance company provides the policy, the agent facilitates the sale, and family members may or may not be included depending on the policy provisions. However, none of them embodies the comprehensive definition of "an insured" as the individual or entity entitled to coverage.