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The CG 20 10 07 04 Liability Endorsement form is a critical document within the realm of commercial general liability insurance. It serves to extend coverage to additional insured parties, such as owners, lessees, or contractors, who may be involved in operations at specified locations. This endorsement modifies the existing insurance policy, ensuring that the additional insureds are protected against liabilities arising from bodily injury, property damage, or personal and advertising injury. The coverage applies specifically to incidents caused by the actions or omissions of the insured or their representatives during ongoing operations. However, it is essential to note that the coverage is subject to legal limitations and cannot exceed the terms outlined in any relevant contracts. Additionally, the endorsement introduces specific exclusions, such as injuries or damages occurring after the completion of work or when the work has been put to its intended use by others. The limits of insurance for additional insureds are also defined, ensuring that the coverage does not exceed what is required by contract or the available policy limits. Understanding these aspects is crucial for both policyholders and additional insureds to navigate their responsibilities and protections effectively.

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Dos and Don'ts

When filling out the CG 20 10 07 04 Liability Endorsement form, it’s important to follow specific guidelines to ensure accuracy and compliance. Here are nine things you should and shouldn’t do:

  • Do: Read the form carefully before starting.
  • Do: Fill in all required fields completely and accurately.
  • Do: Double-check the names of additional insured persons or organizations.
  • Do: Ensure the locations of covered operations are clearly specified.
  • Do: Understand the limitations of the coverage provided.
  • Don't: Skip any sections of the form.
  • Don't: Use abbreviations or shorthand that could cause confusion.
  • Don't: Assume any information is correct without verification.
  • Don't: Leave any questions or fields blank unless instructed.

Cg 20 10 07 04 Liability Endorsement Sample

POLICY NUMBER:

COMMERCIAL GENERAL LIABILITY

 

CG 20 10 12 19

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED – OWNERS, LESSEES OR

CONTRACTORS – SCHEDULED PERSON OR

ORGANIZATION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name Of Additional Insured Person(s)

Or Organization(s)

Location(s) Of Covered Operations

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

A. Section II – Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by:

1.Your acts or omissions; or

2.The acts or omissions of those acting on your behalf;

in the performance of your ongoing operations for the additional insured(s) at the location(s) designated above.

However:

1.The insurance afforded to such additional insured only applies to the extent permitted by law; and

2.If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured.

B. With respect to the insurance afforded to these additional insureds, the following additional exclusions apply:

This insurance does not apply to "bodily injury" or "property damage" occurring after:

1.All work, including materials, parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed by or on behalf of the additional insured(s) at the location of the covered operations has been completed; or

2.That portion of "your work" out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project.

CG 20 10 12 19

© Insurance Services Office, Inc., 2018

Page 1 of 2

C. With respect to the insurance afforded to these additional insureds, the following is added to

Section III – Limits Of Insurance:

If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance:

1.Required by the contract or agreement; or

2.Available under the applicable limits of insurance;

whichever is less.

This endorsement shall not increase the applicable limits of insurance.

Page 2 of 2

© Insurance Services Office, Inc., 2018

CG 20 10 12 19

Listed Questions and Answers

  1. What is the purpose of the CG 20 10 07 04 Liability Endorsement form?

    This endorsement is designed to extend coverage under a Commercial General Liability (CGL) policy to include additional insured parties. It specifically covers liability for bodily injury, property damage, or personal and advertising injury that may arise from the actions or omissions of the insured or their representatives during ongoing operations for the additional insureds at specified locations.

  2. Who qualifies as an additional insured under this endorsement?

    The endorsement allows for the inclusion of individuals or organizations listed in the schedule. These parties are covered only in relation to specific liabilities that stem from the insured's work for them. It’s important to ensure that the correct names and locations are listed to provide appropriate coverage.

  3. What limitations exist regarding the coverage for additional insureds?

    Coverage is limited to the extent permitted by law and cannot exceed what is required by any contractual agreement. If a contract specifies certain coverage, the insurance provided cannot be broader than what the contract stipulates. This ensures that the coverage aligns with the contractual obligations of the insured.

  4. Are there exclusions to the coverage for additional insureds?

    Yes, the endorsement includes specific exclusions. Notably, it does not cover bodily injury or property damage that occurs after all work on a project has been completed, or if the work has been put to its intended use by someone other than another contractor or subcontractor involved in the same project. This means that once the project is finished, the additional insured is no longer covered for incidents arising from that work.

  5. How are the limits of insurance determined for additional insureds?

    The limits of insurance for additional insureds are defined by the lesser of two amounts: what is required by the contract or the available limits under the policy. This ensures that the coverage does not exceed what is contractually obligated, maintaining consistency with the insured's agreements.

  6. Does this endorsement increase the overall limits of insurance?

    No, this endorsement does not increase the applicable limits of insurance. It operates within the existing limits of the policy, ensuring that the coverage for additional insureds is accounted for without raising the overall coverage amounts.

  7. What should be included in the schedule section of the endorsement?

    The schedule should clearly list the names of the additional insured persons or organizations, along with the locations where covered operations will take place. This information is crucial for identifying the parties and places that are eligible for coverage under the endorsement.

  8. How can I ensure compliance with the requirements of this endorsement?

    To ensure compliance, review any contracts or agreements that require additional insured coverage. Make sure that the endorsement aligns with these requirements and that the necessary parties are included in the schedule. Consulting with an insurance professional can also provide clarity and ensure that all aspects of coverage are properly addressed.

Form Overview

Fact Name Details
Policy Number CG 20 10 12 19
Purpose This endorsement provides additional insured status to owners, lessees, or contractors for specific operations.
Coverage Scope Covers liability for bodily injury, property damage, or personal and advertising injury caused by the named insured's actions or omissions.
Exclusions Excludes coverage for injuries or damages occurring after the completion of work or when the work has been put to its intended use.
Limits of Insurance The maximum payment to additional insureds is limited to the amount required by contract or the available insurance limits, whichever is less.
Governing Law This endorsement is subject to state-specific laws, which may vary. Consult local regulations for details.