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Fillable Cg 20 10 07 04 Liability Endorsement Template

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 provides coverage for liability arising from bodily injury, property damage, or personal and advertising injury linked to the actions of the insured or their representatives while performing operations for the additional insured. Understanding the nuances of this form is essential for ensuring proper coverage and compliance with contractual obligations.

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Fillable Cg 20 10 07 04 Liability Endorsement Template

Content Overview

File Details

Fact Name	Fact Description
Policy Number	This endorsement is identified by the policy number CG 20 10 12 19.
Purpose	The form serves to add additional insured parties, such as owners, lessees, or contractors.
Coverage Type	It modifies the Commercial General Liability Coverage Part.
Insured Parties	It includes additional insured persons or organizations listed in the schedule.
Liability Scope	Coverage applies to liability for bodily injury, property damage, or personal and advertising injury.
Exclusions	Exclusions apply for work completed or when the work has been put to its intended use.
Contractual Limitations	Coverage is limited to what is required by contract or the available insurance limits.
Legal Compliance	The insurance afforded to additional insureds applies only to the extent permitted by law.
Limit of Insurance	This endorsement does not increase the applicable limits of insurance.

Sample - 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.

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

Common mistakes

Filling out the CG 20 10 07 04 Liability Endorsement form can be a straightforward process, but several common mistakes can lead to complications. One frequent error occurs when individuals neglect to clearly identify the additional insured entities. This section is critical; it specifies who is covered under the policy. If the names are misspelled or incomplete, it may result in a lack of coverage when it is most needed. Always double-check the spelling and ensure that all necessary parties are included.

Another mistake is failing to accurately specify the location(s) of covered operations. This detail is essential because the coverage applies only to the locations listed. If a location is omitted or incorrectly described, it could leave a gap in protection. It is advisable to provide complete addresses and any relevant details that clarify the operational scope.

In addition, many people overlook the importance of understanding the implications of contractual obligations. If the coverage for additional insureds is required by a contract, the policy will only extend to the limits specified in that agreement. Misunderstanding this can lead to assumptions of broader coverage than what is actually provided. Review the contract carefully to ensure that the insurance aligns with the requirements.

Another area of concern is the timing of when the coverage applies. Many individuals mistakenly believe that coverage is automatic once the form is submitted. However, the endorsement specifically states that the insurance does not apply to incidents occurring after work has been completed. Not recognizing this could lead to significant financial exposure if an incident arises after project completion.

Finally, people often fail to consider the limits of insurance outlined in the endorsement. It is crucial to understand that the coverage for additional insureds will not exceed the limits set forth in the policy or the contract. This limitation can be easily overlooked, leading to misunderstandings about the extent of coverage available. Always clarify these limits to avoid surprises down the line.

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