Those are drain flies. (Sometimes called moth flies) They look like little brown fruit flies. They're not from your septic, they fly down your drains and breed in the damp mushy gunk that collects inside your pipes. The way to get rid of them is to use a foaming type drain cleaner on any drains you find them around.
Insured vs. Named Insured. There is a difference between being an insured and being a named insured.. Unless specifically designated as such, an additional insured does not have named insured status. A primary distinction between the two is the application of endorsements that apply solely to the named insured. While an additional insured (general contractor) enjoys the benefit of insurance protection from another policy (subcontractor), he may lose control of the defense of the claim.
Certificate Holder v. Additional Insured. Certificate Holder v. Additional Insured - What is the Difference? Its amazing how few business owners main contractor know the distinction between being a Certificate Holder on a vendor's or sub-contractors, the Named Insured policy, and being an Additional Insured. There is a clear, and measurable difference between these two Certificate of Insurance functions.