The Cg 20 10 07 04 Liability Endorsement form serves as an important addition to a Commercial General Liability policy, specifically designed to extend coverage to additional insured parties, such as owners, lessees, or contractors. This endorsement outlines the circumstances under which these additional insureds are protected against claims related to bodily injury, property damage, or personal and advertising injury. Understanding the details of this form is crucial for ensuring that all parties involved in a project are adequately protected; to fill out the form, please click the button below.
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When filling out and using the CG 20 10 07 04 Liability Endorsement form, it is essential to understand its purpose and implications. Here are some key takeaways to consider:
Understanding these key points can help ensure that you fill out the CG 20 10 07 04 Liability Endorsement form correctly and make the most of the coverage it provides.
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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The CG 20 10 07 04 Liability Endorsement form is similar to the Additional Insured Endorsement (CG 20 10) in that both documents extend coverage to additional parties, such as owners or contractors, under a commercial general liability policy. This extension of coverage is crucial for protecting the interests of those who may not be directly involved in the policyholder's operations but still face liability risks. The CG 20 10 specifically includes language that outlines the conditions under which these additional insureds are covered, focusing on liability arising from the policyholder's acts or omissions. Both forms emphasize that the coverage is limited to what is required by contract, ensuring that the policyholder's obligations are met without expanding their liability beyond what was agreed upon.
Another document that shares similarities is the Additional Insured – Owners, Lessees or Contractors (CG 20 10 11 85). Like the CG 20 10 07 04, this endorsement adds specific parties as additional insureds under the general liability policy. It is designed to protect owners and contractors against claims arising from the policyholder's work. The language in both endorsements clarifies that the coverage is contingent on the policyholder’s actions and that it will not exceed what is contractually required. This helps in managing expectations and limits the insurance company's exposure to claims that may arise after the completion of a project.
When navigating the intricacies of liability endorsements, it's essential to ensure that you have accurate documentation and understanding of related requirements, especially if you need to update your records for any reason. For individuals or firms involved in contracting or business dealings, having access to forms like the Address Change California form can be vital. You can find more information and resources for these essential documents at California PDF Forms.
The CG 20 37 07 04 endorsement is also relevant, as it addresses additional insured coverage for ongoing operations and completed operations. Similar to the CG 20 10 07 04, it provides coverage for liabilities that may arise from the policyholder's work. However, it specifically delineates between ongoing operations and completed operations, thereby refining the scope of coverage. This distinction is critical for managing risk, as it clarifies when coverage begins and ends, which is essential for both the insured and the additional insured parties.
Another related document is the CG 20 10 04 13 endorsement, which also provides additional insured status but focuses on specific projects or locations. This endorsement is similar in that it grants coverage for liabilities associated with the named additional insureds, but it may have more stringent requirements regarding the completion of work and the timeline of operations. The specificity in location and project helps ensure that both the policyholder and the additional insured are clear about the extent of coverage and the conditions under which it applies.
The CG 20 10 06 85 endorsement is comparable as it also serves to add additional insureds but is typically used in construction contexts. It provides coverage for contractors and subcontractors and is similar in structure to the CG 20 10 07 04. Both documents emphasize that the coverage is limited to liability arising from the named insured's actions. This focus on construction-related activities helps manage risk in a high-liability environment where multiple parties may be involved.
Additionally, the CG 20 10 12 19 endorsement is relevant as it modifies the same sections of the general liability policy. It offers similar protections to additional insureds but may contain specific exclusions or limitations tailored to different types of operations. The alignment in purpose and structure between these endorsements ensures that additional insureds receive the necessary protection while maintaining the integrity of the policyholder's coverage limits.
The CG 20 31 07 04 endorsement is another document that adds additional insureds but is often used in the context of liability arising from the use of owned or non-owned vehicles. While the CG 20 10 07 04 focuses on general liability, the CG 20 31 specifically addresses vehicular liability, making it essential for businesses that rely on transportation as part of their operations. Both endorsements highlight the importance of clearly defining the scope of coverage and the conditions under which it applies.
Furthermore, the CG 20 33 07 04 endorsement is similar in that it addresses additional insured status but is specifically designed for coverage in the context of completed operations. It shares the same foundational principles as the CG 20 10 07 04, emphasizing that coverage is limited to the policyholder's actions and is contingent upon contractual obligations. This focus on completed operations helps to clarify the risks involved and the extent of coverage for all parties involved.
Lastly, the CG 20 10 01 04 endorsement adds additional insured status for specific types of liability claims, such as those related to products or completed operations. While it serves a similar purpose to the CG 20 10 07 04, it may have different exclusions or coverage limits based on the nature of the claims. This ensures that additional insureds are adequately protected while also maintaining the policyholder's risk management strategy.
Completing the CG 20 10 07 04 Liability Endorsement form is essential for ensuring that the additional insureds are properly covered under your commercial general liability policy. Follow these steps to fill out the form accurately.
After completing these steps, keep a copy of the form for your records. This will help you maintain a clear understanding of your coverage and any obligations related to the additional insureds listed.
The CG 20 10 07 04 Liability Endorsement form is an important document in the realm of commercial general liability insurance. It serves to add additional insured parties to a policy, ensuring that they are protected under certain conditions. However, this form is often accompanied by other documents that further clarify coverage and obligations. Below is a list of five commonly used forms and documents that complement the CG 20 10 07 04 Liability Endorsement.
Understanding these documents and their roles in conjunction with the CG 20 10 07 04 Liability Endorsement is essential for ensuring comprehensive coverage and compliance with contractual obligations. Each document plays a unique part in the overall insurance framework, helping to protect all parties involved in a business transaction.
Incomplete Information: Failing to provide all necessary details, such as the name of the additional insured or the location of covered operations, can lead to significant issues. Ensure that every section is filled out completely to avoid delays or denials in coverage.
Incorrect Policy Number: Entering the wrong policy number can cause confusion and result in the endorsement not being applied to the correct insurance policy. Double-check the policy number for accuracy before submission.
Misunderstanding Coverage Limits: Some individuals may not fully grasp the limits of insurance as stated in the form. It is crucial to recognize that the coverage for additional insureds cannot exceed what is required by contract. Review the terms carefully to ensure compliance.
Neglecting Exclusions: Ignoring the specific exclusions listed in the endorsement can lead to unexpected liabilities. Familiarize yourself with these exclusions to understand the scope of coverage and avoid potential pitfalls.
When filling out the CG 20 10 07 04 Liability Endorsement form, it is important to follow certain guidelines to ensure accuracy and compliance. Below is a list of things to do and avoid during this process.