The CG 20 10 07 04 Liability Endorsement form is an important document that modifies a commercial general liability policy to include additional insured parties. This endorsement allows specified individuals or organizations to be covered for certain liabilities arising from the actions of the primary insured. Understanding its provisions can help ensure compliance and adequate protection in various contractual situations.
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The CG 20 10 07 04 Liability Endorsement form is a critical component of the Commercial General Liability (CGL) insurance policy, specifically designed to extend coverage to additional insured parties. This endorsement allows for the inclusion of owners, lessees, or contractors as additional insureds, provided their names and the locations of covered operations are clearly specified in the policy schedule. It is essential to understand that this endorsement modifies the existing insurance terms, thereby altering the scope of coverage. Under its provisions, the additional insureds are protected against liability for bodily injury, property damage, or personal and advertising injury that arises from the actions or omissions of the named insured or their representatives during ongoing operations at the specified locations. However, the endorsement comes with certain limitations; for instance, the coverage only applies to the extent permitted by law and cannot exceed what is mandated by any contractual obligations. Furthermore, it introduces specific exclusions, such as liability for injuries or damages that occur after the completion of work related to the project. The endorsement also stipulates that the maximum amount payable on behalf of the additional insureds will be limited to the lesser of the coverage required by the contract or the available limits of insurance. Overall, this endorsement serves as a vital tool for risk management, ensuring that all parties involved in a project are adequately protected while navigating the complexities of liability coverage.
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Here are key takeaways regarding the CG 20 10 07 04 Liability Endorsement form:
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.
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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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