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.
In fact, there have been so many requests over the years for a specific endorsement confirming this insured status that the Insurance Services Office introduced a special endorsement for those who request one. The endorsement in question is titled Designated Insured Endorsement, and reads as follows: Each person or organization indicated above is an insured for Liability Coverage, but only to the extent that person or organization qualifies as an insured under the Who Is Insured provision contained in Section II of the Coverage Form. The fact that this endorsement is issued does not change anything.