A bit off topic, but, IMO, the named insured stuff has just gone to far and may have a dilutive affect on your coverage. A named insured has policy rights; rights to the policy for which you pay. If there's a dispute where you and that named party are both involved, your policy may be paying for their defense and your coverage diluted.
To show you have coverage is one thing, to give others rights to your policy isn't kosher IMO. If I have higher coverage limits than another insured, why should they benefit? I should show the required amount; if I have more, that's my benefit.
Still, you may win the battle and lose the war asserting these rights.
I haven't attended a pilot proficiency course because of this and a waiver and indemnification they require. I'll make their folks a named pilot, but not a named insured. Their waiver and indemnification would require me to defend any lawsuit in Colorado, even thought it's a Texas aircraft and instruction is here or another state. Just too one sided for me.
Sometimes, it's best to walk.
Unfortunately, little folks don't have much clout here. The larger folks can negotiate more at times, but sometimes not.
Best,
Dave