• As Their Interests May Appear (ATIMA) is a phrase added to insurance policies and endorsements to add others as insured. The use of ATIMA or similar phrases has been clearly embraced by firefighters’ insurers, especially in relation to mortgage endorsements, as a way of aligning coverage with the financial interests of a certain entity or individual and preventing violations of policy terms relating to sole proprietorship. . The phrase “ATIMA” continues to appear in builder risk policy today, reinforced in part by language in standardized contracts commonly used for construction work. For example, the American Institute of Architects General Conditions A201 requires that property insurance cover the interests of the owner, contractor, subcontractors, and sub-subcontractors in the project. The phrase may not be needed in a builders risk policy as it could lead to unforeseen consequences and unnecessary litigation.