Make My Cg 20 10 07 04 Liability Endorsement Online

Fill Out Your Cg 20 10 07 04 Liability Endorsement Form

The CG 20 10 07 04 Liability Endorsement form is a modification to the Commercial General Liability policy that extends coverage to additional insured parties. This endorsement specifically addresses the liability for bodily injury, property damage, or personal and advertising injury resulting from the actions of the named insured or their representatives during ongoing operations. Understanding the implications of this endorsement is crucial for both insured parties and additional insureds, as it defines the scope and limitations of the coverage provided.

Form 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

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

CG 20 10 12 19

Misconceptions

Understanding the Cg 20 10 07 04 Liability Endorsement form is essential for anyone involved in commercial insurance. However, several misconceptions can lead to confusion. Here are ten common misconceptions along with clarifications:

It automatically covers all additional insureds. This endorsement only covers those specifically listed in the schedule. If an organization is not named, they are not covered.
It provides unlimited coverage. The coverage is limited to the lesser of the amount required by a contract or the available limits of insurance.
It covers all types of injuries and damages. The coverage is specifically for "bodily injury," "property damage," or "personal and advertising injury" related to the additional insured's operations.
All work is covered, regardless of completion status. Coverage does not apply to injuries or damages occurring after all work has been completed.
It extends coverage to subcontractors automatically. The endorsement does not extend coverage to subcontractors unless they are specifically named in the schedule.
It covers prior acts. The endorsement only applies to liabilities arising from ongoing operations; it does not cover past actions.
It increases the overall policy limits. The endorsement does not increase the limits of insurance; it operates within the existing policy limits.
It applies to all locations. Coverage is limited to the locations specified in the endorsement. Other locations are not automatically included.
It is the same as a primary insurance policy. This endorsement is not a standalone policy; it modifies an existing policy to include additional insureds.
There are no exclusions. The endorsement includes specific exclusions that must be understood to avoid gaps in coverage.

Awareness of these misconceptions can help in making informed decisions about liability coverage and understanding the limitations of the Cg 20 10 07 04 Liability Endorsement form.

Key takeaways

When filling out and using the Cg 20 10 07 04 Liability Endorsement form, keep these key takeaways in mind:

The form allows you to add specific individuals or organizations as additional insureds. This means they are covered under your general liability policy for certain liabilities.
Coverage applies only for liabilities related to your actions or those acting on your behalf. It is crucial to ensure that the operations listed are accurate and relevant.
The insurance provided is limited by any contractual obligations. If a contract specifies coverage limits, those limits will apply.
Once the work is completed or the project is put to its intended use, coverage for additional insureds may no longer apply. Be aware of when coverage ends to avoid gaps in protection.

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