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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 |
Document Information
| Fact Name | Description |
|---|---|
| Policy Number | This endorsement is associated with the Commercial General Liability policy number CG 20 10 12 19. |
| Additional Insured Coverage | The endorsement provides additional insured status to specific persons or organizations listed in the schedule. |
| Scope of Liability | Coverage applies to liability for bodily injury, property damage, or personal and advertising injury caused by the named insured's actions or omissions. |
| Exclusions | Coverage does not apply to bodily injury or property damage occurring after all work on the project has been completed. |
| Limits of Insurance | The maximum amount payable to additional insureds is limited to the lesser of the contract requirements or available insurance limits. |
Cg 20 10 07 04 Liability Endorsement - Usage Guidelines
Completing the CG 20 10 07 04 Liability Endorsement form is a straightforward process. This form is essential for ensuring that additional insured parties are properly documented in your commercial general liability coverage. Follow these steps carefully to fill out the form accurately.
- Locate the Policy Number: At the top of the form, find the section labeled "POLICY NUMBER" and enter your specific policy number.
- Identify the Additional Insured: In the section titled "Name Of Additional Insured Person(s) Or Organization(s)," write the name of the person or organization that you are adding as an additional insured.
- Specify the Location: In the section labeled "Location(s) Of Covered Operations," provide the address or description of the location where the covered operations will take place.
- Review the Declarations: If any required information is not included in the schedule, check the Declarations page of your policy for additional details.
- Understand the Coverage: Familiarize yourself with the conditions and exclusions that apply to the additional insured, as outlined in the endorsement.
- Sign and Date the Form: After completing all sections, ensure that you sign and date the form at the designated area.
Once the form is filled out, it should be submitted to your insurance provider for processing. Ensure that all details are accurate to avoid any delays in coverage. Keeping a copy for your records is also advisable.
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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 certain guidelines. Here’s a list of what to do and what to avoid:
- Do read the entire endorsement carefully before starting.
- Do provide accurate information for the policy number.
- Do clearly list the names of additional insured persons or organizations.
- Do specify the locations of covered operations precisely.
- Do ensure that the information matches what is in the Declarations.
- Don't leave any required fields blank.
- Don't use abbreviations or shorthand that may confuse the reviewer.
- Don't forget to check for any specific contractual requirements regarding coverage.
- Don't assume that the coverage is broader than what is stated in the endorsement.
Common mistakes
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Neglecting to Specify Additional Insureds: One common mistake is failing to clearly list all individuals or organizations that should be included as additional insureds. Omitting a key party can leave them unprotected and expose you to liability.
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Inaccurate Location Information: It is crucial to provide precise locations of covered operations. Errors in this section can lead to disputes about coverage and may result in denied claims.
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Misunderstanding Coverage Limits: Many individuals do not fully grasp the limits of insurance provided under this endorsement. It is essential to understand that the coverage for additional insureds cannot exceed what is required by contract.
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Ignoring Contractual Obligations: Some people overlook the importance of aligning the endorsement with existing contracts. If coverage is required by a contract, it must be consistent with what is stipulated in that agreement.
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Failing to Update Information: As projects evolve, so too may the parties involved. Failing to update the endorsement with new additional insureds or locations can lead to gaps in coverage.
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Overlooking Exclusions: It is vital to read and understand the exclusions that apply to additional insureds. Ignoring these can result in unexpected liabilities and uncovered claims.
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Not Seeking Professional Guidance: Many individuals attempt to fill out the form without consulting legal or insurance professionals. This can lead to misunderstandings and mistakes that could have been avoided with expert advice.