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Official Cg 20 10 07 04 Liability Endorsement Form in PDF

The CG 20 10 07 04 Liability Endorsement form is a crucial document in commercial general liability insurance. It extends coverage to additional insured parties, specifically owners, lessees, or contractors, for liabilities arising from ongoing operations. Understanding this endorsement is essential for ensuring proper protection and compliance in contractual agreements.

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The CG 20 10 07 04 Liability Endorsement form is a critical component of commercial general liability insurance, specifically designed to extend coverage to additional insured parties such as owners, lessees, or contractors. This endorsement modifies the existing policy, ensuring that those listed in the endorsement schedule are protected against liabilities related to bodily injury, property damage, or personal and advertising injury that may arise from the insured's operations. It is essential to understand that the coverage applies only to the extent permitted by law and is limited to the obligations outlined in any applicable contracts or agreements. Notably, the endorsement includes specific exclusions that clarify when coverage is not applicable, particularly in scenarios where work has been completed or where the injury or damage occurs after the project has been put to its intended use. Additionally, the limits of insurance for the additional insured are capped at either the amount required by the contract or the available limits of the policy, whichever is less. This nuanced approach ensures that all parties have a clear understanding of their coverage while maintaining compliance with contractual obligations.

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Steps to Using Cg 20 10 07 04 Liability Endorsement

Filling out the CG 20 10 07 04 Liability Endorsement form requires careful attention to detail. This form is essential for adding additional insured parties to your commercial general liability policy. It is important to ensure that all information is accurate and complete to avoid any issues with coverage.

Obtain the Form: Start by downloading or printing the CG 20 10 07 04 Liability Endorsement form from your insurance provider's website or request a physical copy from your agent.
Policy Number: Locate the section labeled "POLICY NUMBER" at the top of the form. Enter your commercial general liability policy number accurately.
Name of Additional Insured: In the "Name Of Additional Insured Person(s) Or Organization(s)" section, clearly write the names of the individuals or organizations you wish to add as additional insureds.
Location of Covered Operations: Fill in the "Location(s) Of Covered Operations" section with the specific addresses or locations where the additional insureds will be operating.
Review the Declarations: If there is any information required to complete the schedule that is not shown on the form, refer to the Declarations page of your policy for that information.
Sign and Date: After completing all sections, sign and date the form at the bottom to confirm that the information is correct.
Submit the Form: Send the completed form to your insurance provider or agent as instructed, ensuring you keep a copy for your records.

Key takeaways

Here are some key takeaways regarding the Cg 20 10 07 04 Liability Endorsement form:

Purpose of the Form: This endorsement adds additional insureds, such as owners or contractors, to your general liability policy. It ensures they are covered for specific liabilities arising from your operations.
Scope of Coverage: The coverage applies only to liabilities resulting from your actions or those acting on your behalf while performing operations for the additional insured at specified locations.
Contractual Limitations: If the additional insured's coverage is required by a contract, it cannot exceed what the contract specifies. The endorsement will not provide broader coverage than what is mandated.
Exclusions: The endorsement does not cover bodily injury or property damage that occurs after the work has been completed or when the work has been put to its intended use by someone other than a contractor or subcontractor involved in the project.
Limits of Insurance: The maximum amount payable for the additional insured is the lesser of the amount required by the contract or the limits of your insurance policy. This endorsement does not increase your policy limits.

Misconceptions

Understanding the CG 20 10 07 04 Liability Endorsement form is essential for those involved in commercial insurance. However, several misconceptions often arise. Here are nine common misunderstandings:

It automatically provides full coverage to all parties involved. Many believe that this endorsement offers unlimited coverage. In reality, the coverage is limited to specific liabilities and conditions outlined in the policy.
All additional insureds receive the same level of coverage. This is not true. The coverage for each additional insured is based on the terms of the contract or agreement, which may vary.
It covers any injury or damage that occurs at the job site. The endorsement specifically limits coverage to injuries or damages arising from your operations. Incidents unrelated to your work are not covered.
Once the project is completed, coverage continues indefinitely. Coverage ceases once all work is completed and the project is put to its intended use, which is an important limitation to consider.
It eliminates all liability for the insured. This endorsement does not remove all liability. It merely extends coverage to additional insureds under specific conditions.
Insurance limits increase with additional insureds. The endorsement does not increase the overall limits of insurance. The maximum payout remains the same, regardless of how many additional insureds are listed.
It applies to any contract or agreement. The endorsement only applies if the additional insured status is required by a specific contract. If not, the coverage does not extend.
All types of damages are covered. Only certain types of damages, such as bodily injury, property damage, and personal injury, are included. Other types of claims may not be covered.
The endorsement is the same across all policies. Each policy may have different terms and conditions. It’s crucial to read and understand the specific language of your endorsement.

By clarifying these misconceptions, individuals can better navigate their insurance needs and ensure they have the appropriate coverage for their operations.

Preview - 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

Document Specs

Fact Name	Description
Policy Number	The endorsement is identified as CG 20 10 12 19, which is a part of the Commercial General Liability (CGL) policy.
Purpose	This endorsement adds additional insureds, specifically owners, lessees, or contractors, to the policy.
Coverage Scope	It covers liability for bodily injury, property damage, or personal and advertising injury linked to the insured's operations.
Location Specificity	Coverage is limited to specific locations where the additional insured's operations occur, as outlined in the schedule.
Legal Limitations	The insurance applies only to the extent permitted by law, ensuring compliance with state regulations.
Contractual Obligations	If required by a contract, coverage cannot exceed what is stipulated in that agreement for the additional insured.
Exclusions	Coverage does not apply if the injury or damage occurs after the project work has been completed.
Limit of Insurance	The maximum amount payable on behalf of the additional insured is the lesser of the contract amount or the policy limits.
Endorsement Modification	This endorsement modifies the existing insurance policy, and it is crucial to read it carefully to understand its implications.