The CG 20 10 07 04 Liability Endorsement form serves as an essential addition to a Commercial General Liability policy, specifically designed to extend coverage to additional insured parties. This endorsement ensures that owners, lessees, or contractors listed in the schedule receive protection against certain liabilities arising from operations performed on their behalf. Understanding its provisions can help businesses navigate the complexities of liability coverage and contractual obligations more effectively.
The CG 20 10 07 04 Liability Endorsement form is a specific type of insurance endorsement that provides additional insured status to certain parties. It is similar to several other documents in the realm of liability insurance. Below is a list of eight documents that share similarities with this endorsement, along with a brief explanation of how they relate.
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.
© Insurance Services Office, Inc., 2018
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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.
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The CG 20 10 07 04 Liability Endorsement form is essential for understanding additional insured coverage under a commercial general liability policy. Here are key takeaways for filling out and utilizing this form:
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Filling out the CG 20 10 07 04 Liability Endorsement form is an important step in ensuring that all necessary parties are covered under your insurance policy. Follow these steps carefully to complete the form accurately.
Once you have completed the form, it is essential to submit it to your insurance provider. This will ensure that the additional insured parties are officially recognized under your policy. Keep a copy for your records as well.