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.
You are currently not signed in. additional named insured. (1) A person or organization, other than the first named insured, identified as an insured in the policy declarations or an addendum to the policy declarations. (2) A person or organization added to a policy after the policy is written with the status of named insured. This entity would have the same rights and responsibilities as an entity named as an insured in the policy declarations (other than those rights and responsibilities reserved to the first named insured).