The Cg 20 10 07 04 Liability Endorsement form is an important document that modifies a Commercial General Liability policy. It adds specific individuals or organizations as additional insureds, protecting them from liability related to bodily injury or property damage arising from your operations. Understanding this endorsement is crucial for ensuring proper coverage and compliance with contractual obligations.
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The CG 20 10 07 04 Liability Endorsement form serves to add additional insured parties to a commercial general liability policy. This endorsement allows specific individuals or organizations to be covered for liabilities arising from the insured's operations, as specified in the endorsement.
Individuals or organizations listed in the endorsement schedule qualify as additional insureds. They are covered for liabilities related to bodily injury, property damage, or personal and advertising injury that result from the insured's actions or those acting on their behalf during ongoing operations at designated locations.
The coverage for additional insureds is limited in two key ways. First, it only applies to the extent permitted by law. Second, if the coverage is required by a contract, it cannot exceed the limits specified in that contract. This ensures that the insurance provided aligns with contractual obligations.
Yes, there are specific exclusions. The insurance does not cover 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 work has been put to its intended use by someone other than a contractor or subcontractor involved in the same project, coverage will not apply.
The endorsement specifies that if coverage for the additional insured is required by a contract, the maximum amount payable on their behalf is the lesser of the amount required by the contract or the applicable limits of the insurance policy. This endorsement does not increase the overall limits of the insurance coverage.
To complete the endorsement, the names of the additional insured persons or organizations and the locations of the covered operations must be specified. If this information is not included in the endorsement itself, it will be provided in the policy declarations.
Yes, it is essential to read the endorsement carefully. The language in the endorsement modifies the existing policy and outlines specific coverage details, limitations, and exclusions. Understanding these terms is crucial for all parties involved.
When dealing with the CG 20 10 07 04 Liability Endorsement form, several other forms and documents often accompany it to ensure comprehensive coverage and compliance with contractual obligations. Understanding these documents can provide clarity and help in managing liability effectively.
Each of these documents plays a vital role in the landscape of commercial liability insurance. Understanding their purpose and how they interconnect with the CG 20 10 07 04 Liability Endorsement can empower businesses to navigate their insurance needs more effectively.
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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When filling out the CG 20 10 07 04 Liability Endorsement form, one common mistake individuals make is failing to accurately list the name of the additional insured. It is crucial to ensure that the names are spelled correctly and match the legal names of the individuals or organizations. Any discrepancies can lead to issues when trying to enforce coverage. Furthermore, omitting an additional insured altogether can leave parties unprotected in case of a liability claim.
Another frequent error involves not specifying the location(s) of covered operations. This section is vital because it determines where the coverage applies. If the locations are not clearly defined, it may create confusion about the extent of the coverage. This lack of clarity can lead to disputes if a claim arises related to an operation that was not explicitly mentioned.
People often overlook the importance of understanding the scope of coverage provided to additional insureds. The form specifies that the insurance only applies to the extent permitted by law and cannot exceed what is required by any contract or agreement. Failing to acknowledge these limitations can result in misunderstandings about the protections offered. It is essential to review any existing contracts to ensure compliance with these stipulations.
Lastly, many individuals neglect to consider the exclusions outlined in the endorsement. The insurance does not cover bodily injury or property damage occurring after the work has been completed or when the work has been put to its intended use. Ignoring these exclusions can lead to significant gaps in coverage. Understanding these terms is critical for all parties involved to ensure they are adequately protected.
CG 20 10 12 19 Additional Insured Endorsement: This document is similar as it also extends coverage to additional insured parties. It specifies the conditions under which these parties are protected, focusing on liability for bodily injury or property damage related to the named insured's operations.
CG 20 37 07 04 Additional Insured – Owners, Lessees or Contractors: Like the CG 20 10 07 04 form, this endorsement provides coverage for additional insureds in relation to ongoing operations. Both forms share the common goal of protecting parties involved in contractual agreements.
CG 20 10 04 13 Additional Insured – Managers or Lessors of Premises: This document offers similar protections by including managers or lessors as additional insureds. It focuses on liability arising from the ownership or management of a property.
CG 20 33 07 04 Additional Insured – Designated Person or Organization: This endorsement is comparable as it allows for the designation of specific individuals or organizations as additional insureds. It also outlines the scope of coverage and any limitations.
CG 20 10 01 04 Additional Insured – Contractors: This form extends liability coverage to contractors, similar to the CG 20 10 07 04. It emphasizes the relationship between the contractor's work and the liability incurred by the additional insured.
CG 20 11 07 04 Additional Insured – Completed Operations: This endorsement provides coverage for additional insureds regarding completed operations. It parallels the CG 20 10 07 04 by addressing liability issues that may arise after the work has been finished.
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