Content Overview
Guide to Writing Cg 20 10 07 04 Liability Endorsement
Completing the CG 20 10 07 04 Liability Endorsement form is essential for ensuring that additional insured parties are properly covered under your commercial general liability policy. This process requires careful attention to detail, as the information provided will determine the extent of coverage for those additional insureds. Follow these steps to fill out the form accurately.
- Begin by locating the POLICY NUMBER section at the top of the form. Enter your commercial general liability policy number here.
- Next, find the section labeled NAME OF ADDITIONAL INSURED PERSON(S) OR ORGANIZATION(S). List the names of all additional insured individuals or organizations that you want to include in this endorsement.
- Proceed to the LOCATION(S) OF COVERED OPERATIONS section. Specify the locations where the covered operations will take place. This could include job sites or specific addresses related to the additional insureds.
- If there is any additional information required that is not already shown, make sure to fill that in as indicated in the Declarations section of your policy.
- Review the completed form for accuracy. Double-check the names and locations to ensure everything is correct.
- Once verified, sign and date the form where indicated to finalize your endorsement request.
After completing the form, submit it to your insurance provider for processing. They will review the information and update your policy accordingly. Keep a copy of the completed form for your records, as it may be needed for future reference or in case of any inquiries.
Document Breakdown
| Fact Name | Description |
|---|---|
| Policy Number | The endorsement is identified by the policy number CG 20 10 12 19. |
| Purpose | This endorsement adds additional insured status for owners, lessees, or contractors to the policy. |
| Coverage Limitations | Coverage for additional insureds is limited to liability arising from the named insured's ongoing operations. |
| Exclusions | It excludes coverage for injuries or damages occurring after the completion of all work related to the project. |
| Governing Law | State-specific laws may apply, such as those governing liability insurance in California or Texas. |
FAQ
What is the purpose of the CG 20 10 07 04 Liability Endorsement form?
The CG 20 10 07 04 Liability Endorsement form serves to add additional insured parties to a commercial general liability insurance policy. This endorsement ensures that the individuals or organizations listed in the schedule are covered for specific liabilities arising from the insured's operations. It is particularly useful in contractual relationships where one party needs to protect another from potential claims related to bodily injury, property damage, or personal and advertising injury that may occur during the performance of work.
Who qualifies as an additional insured under this endorsement?
Under this endorsement, additional insureds include the persons or organizations specified in the schedule. These individuals or entities are covered for liability claims that arise from the acts or omissions of the insured or those acting on their behalf during ongoing operations at designated locations. However, it's important to note that this coverage is limited to the extent permitted by law and may not exceed the coverage required by any applicable contracts.
Are there any limitations to the coverage provided to additional insureds?
Yes, there are specific limitations. The endorsement does not provide coverage for bodily injury or property damage that occurs after the completion of all work related to the project, except for service, maintenance, or repairs. Additionally, if the injury or damage arises after the work has been put to its intended use by someone other than another contractor or subcontractor engaged in the same project, coverage will not apply. This means that the timing and context of the incident are crucial for determining coverage.
What happens if coverage is required by a contract?
If coverage for the additional insured is mandated by a contract, the endorsement stipulates that the insurance provided cannot be broader than what the contract requires. Furthermore, the maximum amount payable on behalf of the additional insured is the lesser of the amount specified in the contract or the limits of insurance available under the policy. This ensures that the coverage aligns with contractual obligations while maintaining the limits of the original policy.
Does this endorsement increase the overall limits of insurance?
No, the CG 20 10 07 04 Liability Endorsement does not increase the applicable limits of insurance. The coverage for additional insureds is subject to the existing policy limits. This means that while additional insureds may receive coverage, it will not extend beyond the original policy limits, ensuring that the insurer's liability remains unchanged.
How should one complete the schedule for additional insureds?
To complete the schedule for additional insureds, one must list the names of the individuals or organizations to be added, along with the locations of the covered operations. If this information is not included in the endorsement form itself, it will typically be provided in the policy's declarations. It is essential to ensure that all required information is accurate and complete to guarantee that the additional insureds are properly covered.
Fill out Other Forms
How to Get My Paystubs - Employees can track their earnings and withholdings easily.
Hurt Feelings Report - Completion of this report can help track repeated incidents of emotional upset.
The Check Register form is a vital tool for tracking all checks written, providing a clear overview of your financial transactions. By maintaining this record, individuals and businesses can ensure better budget management and prevent overdrafts. To simplify this process, consider using our Fillable Blank Check to take control of your finances.
Form 14653 Instructions - The form includes a space to disclose whether the taxpayer is allowing someone else to discuss their case with the IRS.
Cg 20 10 07 04 Liability Endorsement 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 |