Free Cg 20 10 07 04 Liability Endorsement Form in PDF Make Your Document Now

Free Cg 20 10 07 04 Liability Endorsement Form in PDF

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.

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Similar forms

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.

  • CG 20 10 11 85 – Additional Insured – Owners, Lessees or Contractors: Like the CG 20 10 07 04, this endorsement adds additional insureds but may have different conditions or exclusions regarding coverage.
  • CG 20 10 02 13 – Additional Insured – Managers or Lessors of Premises: This form also extends coverage to additional insureds, specifically for managers or lessors, and outlines the scope of liability similar to the CG 20 10 07 04.
  • Ohio Residential Lease Agreement: For clear and concise rental terms, consult the comprehensive Residential Lease Agreement format to protect both landlords and tenants effectively.
  • CG 20 37 07 04 – Additional Insured – Designated Person or Organization: This document provides coverage to specific persons or organizations, paralleling the additional insured provisions of the CG 20 10 07 04.
  • CG 20 10 04 13 – Additional Insured – Completed Operations: Similar to the CG 20 10 07 04, this endorsement focuses on coverage for completed operations, highlighting the importance of project completion in liability claims.
  • CG 20 10 12 19 – Additional Insured – Owners, Lessees or Contractors – Scheduled Person or Organization: This endorsement modifies the same coverage and provides additional insured status under specific circumstances, akin to the CG 20 10 07 04.
  • CG 20 10 09 07 – Additional Insured – State or Political Subdivision: This document extends coverage to governmental entities, similar in function to the CG 20 10 07 04, but tailored for public sector needs.
  • CG 20 11 07 04 – Additional Insured – Joint Ventures: This endorsement applies to joint ventures and offers similar liability coverage to additional insureds involved in collaborative projects.
  • CG 20 10 01 04 – Additional Insured – Blanket Coverage: This form provides blanket coverage for additional insureds, similar to the CG 20 10 07 04, but generally applies to a broader range of parties.

Document 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

Key takeaways

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:

  • Policy Number: Ensure that the correct policy number is entered at the top of the form. This is crucial for accurate processing.
  • Additional Insured Schedule: Clearly list the names of additional insured persons or organizations in the designated schedule. This is necessary for establishing coverage.
  • Location of Operations: Specify the locations where the covered operations will take place. This information is vital for determining the scope of coverage.
  • Acts or Omissions: Understand that coverage applies only for liabilities arising from your acts or omissions, or those of your representatives, during ongoing operations.
  • Legal Limitations: Recognize that the insurance provided is limited by law and cannot exceed what is required by any contract or agreement.
  • Exclusions: Be aware of exclusions, particularly regarding 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 amount payable for additional insured coverage is limited to either the amount required by contract or the available insurance limits, whichever is lower.
  • Review Carefully: Read the endorsement carefully to understand how it modifies the existing policy. Misinterpretation can lead to gaps in coverage.

Instructions on How to Fill Out Cg 20 10 07 04 Liability Endorsement

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.

  1. Locate the Policy Number: Find your Commercial General Liability policy number. This is usually found on your insurance documents.
  2. Fill in the Policy Number: Write the policy number in the designated space at the top of the form.
  3. Identify Additional Insureds: List the names of the additional insured persons or organizations in the space provided. Make sure to include all relevant parties.
  4. Specify Locations: Write the locations of the covered operations related to the additional insureds. Be clear and specific about each location.
  5. Review Information: Check the Declarations section of your policy to ensure that all required information is included in the Schedule.
  6. Understand the Coverage: Familiarize yourself with the coverage details as outlined in the form, ensuring you understand the limitations and exclusions.
  7. Sign and Date: After completing the form, sign and date it in the appropriate sections to validate the endorsement.

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.