term:

Omnibus Clause

omnibus clause n

1 : a clause in a will, decree, or security agreement that stipulates the disposition or status of property not specifically named
2 : a clause in a vehicle insurance policy that provides coverage for those who use the vehicle with the express or implied permission of the insured see also statutory omnibus clause

Source: Merriam-Webster's Dictionary of Law ©1996. Merriam-Webster, Incorporated. Published under license with Merriam-Webster, Incorporated.