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Content Overview

The CG 20 10 07 04 Liability Endorsement form is an important document in 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 a project. This endorsement modifies the existing insurance policy, ensuring that the additional insured is protected against liabilities arising from bodily injury, property damage, or personal and advertising injury. The coverage applies specifically to incidents caused by the policyholder's actions or those acting on their behalf during ongoing operations at designated locations. However, it is essential to note that this coverage is limited by law and cannot exceed what is stipulated in any contractual agreements. Additionally, the endorsement outlines certain exclusions, such as injuries or damages that occur after the completion of work or once the project has been put to its intended use. Importantly, the limits of insurance for additional insureds are capped at the lesser of the contractual requirements or the policy's available limits, ensuring that the endorsement does not increase the overall insurance limits. Understanding these aspects is crucial for both policyholders and additional insured parties to navigate potential liabilities effectively.

Key takeaways

When filling out and utilizing the CG 20 10 07 04 Liability Endorsement form, consider the following key takeaways:

  • Identify Additional Insureds: Clearly list the names of the additional insured persons or organizations in the designated schedule. This ensures proper coverage for those entities.
  • Understand Coverage Limitations: The insurance for additional insureds applies only to liabilities arising from your actions or those acting on your behalf. Be aware of the specific circumstances under which coverage is provided.
  • Review Contractual Obligations: If the coverage is required by a contract, ensure that it aligns with what the contract stipulates. The coverage cannot exceed what is contractually obligated.
  • Acknowledge Exclusions: Be mindful of exclusions that limit coverage, such as injuries or damages occurring after the completion of work or when the work has been put to its intended use.

Guide to Writing Cg 20 10 07 04 Liability Endorsement

To successfully complete the CG 20 10 07 04 Liability Endorsement form, it is essential to provide accurate information regarding the additional insured parties and the locations of covered operations. This process ensures that the necessary parties are adequately covered under the policy. Below are the steps to follow when filling out the form.

  1. Locate the section labeled "POLICY NUMBER" at the top of the form. Enter the policy number associated with your Commercial General Liability coverage.
  2. Find the section titled "Name Of Additional Insured Person(s) Or Organization(s)." Clearly list the names of the individuals or organizations you wish to add as additional insureds.
  3. Proceed to the "Location(s) Of Covered Operations" section. Provide the specific locations where the operations related to the additional insureds will take place.
  4. If any information required for the schedule is not included in the above sections, refer to the Declarations page of your policy to complete the necessary details.
  5. Review the completed form to ensure all entries are accurate and legible. Double-check the names and locations for any errors.
  6. Sign and date the form where indicated to validate your submission.
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Form Preview Example

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

Documents used along the form

The CG 20 10 07 04 Liability Endorsement form is commonly used in conjunction with several other documents to ensure comprehensive coverage and compliance in commercial general liability insurance. Below is a list of related forms and documents that may be necessary.

  • Certificate of Insurance: This document serves as proof of insurance coverage. It outlines the types of coverage, policy limits, and the insured parties, making it essential for verifying compliance with contractual requirements.
  • Additional Insured Endorsement: Similar to the CG 20 10 07 04 form, this endorsement specifically adds additional parties to the policy. It clarifies the extent of coverage for these parties and is often required in contracts between businesses.
  • Commercial General Liability Policy: This is the primary insurance document that outlines the terms, conditions, and coverage details for general liability. It provides the foundational coverage upon which endorsements like the CG 20 10 07 04 are added.
  • Indemnity Agreement: This legal document outlines the responsibilities of one party to compensate another for certain damages or losses. It often complements liability insurance by specifying the obligations of the parties involved.
  • Contractor Agreement: This document outlines the terms of engagement between contractors and clients. It typically includes clauses that require additional insured coverage, making it vital for risk management.
  • Claims Report Form: This form is used to report incidents that may lead to a claim under the liability policy. Prompt reporting is crucial to ensure timely investigation and resolution of claims.
  • Waiver of Subrogation: This document prevents the insurer from pursuing a third party for damages paid to the insured. It is often included in contracts to protect all parties involved.
  • Mobile Home Bill of Sale Form: For a clear transfer of ownership, utilize our comprehensive Mobile Home Bill of Sale document to ensure all transaction details are properly documented.
  • Scope of Work Document: This outlines the specific tasks and responsibilities of the contractor. It helps define the parameters of the project and can be critical in determining liability in case of a claim.
  • Exclusions Document: This document details what is not covered under the policy. Understanding these exclusions is essential for both the insured and the additional insured parties to avoid surprises during a claim.

Each of these documents plays a significant role in managing risk and ensuring that all parties are adequately protected. It is crucial to review and understand them in the context of the CG 20 10 07 04 Liability Endorsement form to maintain compliance and safeguard interests.