Who has the right to request changes to a policy in commercial lines property insurance?

In commercial lines property insurance, the right to request changes to a policy typically belongs to the First Named Insured. This is because the First Named Insured is often designated as the primary policyholder and has specific responsibilities and authority regarding the management of the insurance policy, including making changes, requesting endorsements, and handling claims.

The First Named Insured's position is pivotal, as they are often the primary point of contact for the insurer and other parties involved in the insurance transaction. This authority is established in the policy language itself and reflects the responsibility they have over the entire policy. In many cases, actions taken by the First Named Insured (like requesting changes) are binding on all named insureds under the policy, reinforcing their central role in managing the insurance coverage.

While all named insureds may have an interest in the policy and its coverage, it's the First Named Insured who holds the formal right and authority to initiate changes as outlined by the insurer’s policy guidelines.