This is a complex question. We'll keep it pretty basic here.
The primary insureds are the named insureds set out in the policy declarations. This could include you and your spouse, a partnership, joint venture, limited liability corporation, or other organization. Members of these organizations-executive officers, directors, and stockholders-are insureds only for incidents related to their business duties. Employees, including leased workers and volunteers, are insureds for actions related to business. Temporary workers are not insureds; they will not be defended by a CGL. Your firm will be defended regardless.
Note. The first named insured has particular responsibilities related to communication with the insurance company.
Will my Commercial General Liability Policy protect me in other states?