裏麵這麽說：A trust is merely a right in property held in a fiduciary relationship by one party, called the “trustee,” for the benefit of another party, called the “beneficiary.” The trustee holds title to property or “corpus” in the trust, while the beneficiary collects the benefits. With the exception of business trusts, which are generally more akin to corporate entities in their purpose and characteristic of having freely transferable interests, a trust should be considered a relationship to property rather than a separate entity. A trust’s status as a relationship to property rather than an entity presents preliminary issues for a litigator under both federal and state rules of civil procedure.
關鍵點：trust 不是一個legal entity, 所以它不是裏麵財產的legal owner! Trustee 才是。
還有一段話：The trustee, as the legal title holder of the trust’s property or corpus, is generally the real party in interest with the power to prosecute or defend actions in the name of the trust under Fed.R.Civ.P. 17(a). See Coverdell, 335 F.2d at 13; Colorado Springs Cablevision, 579 F.Supp. at 254; Limouze, 397 F.Supp. at 789–90; White, 57 F.R.D. at 130; Powers, 119 Cal.Rptr. at 732; IV Scott, Trusts at § 280. Attorneys seeking to affect a trust through litigation should name the individual trustees as parties in their capacity as “trustee on behalf of” the name of the subject trust.
所以，訴訟的時候，因為財產在trust 裏麵，對方是衝著 trustee 來的。而不是起訴trust.
所以把trustee 列為 Named Insured 才是正確的做法。