Free Cg 20 10 07 04 Liability Endorsement PDF Form

The CG 20 10 07 04 Liability Endorsement form is a crucial document that modifies a Commercial General Liability policy. It adds specific individuals or organizations as additional insureds, providing them coverage for certain liabilities. Understanding this endorsement is vital for ensuring compliance with contractual obligations and protecting against potential liabilities.

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The CG 20 10 07 04 Liability Endorsement form is a crucial document in the realm of commercial general liability insurance, specifically designed to extend coverage to additional insured parties. This endorsement modifies the existing policy to include individuals or organizations specified in a schedule, thereby providing them protection against claims for bodily injury, property damage, or personal and advertising injury. Coverage applies when these claims arise from the acts or omissions of the named insured or their representatives during ongoing operations for the additional insured at designated locations. However, it is important to note that this coverage is subject to certain limitations. For instance, it only applies to the extent permitted by law and cannot exceed the coverage required by any underlying contracts. Additionally, specific exclusions apply, particularly concerning injuries or damages that occur after the completion of work on a project or when the work has been put to its intended use. The form also outlines the limits of insurance, stating that the maximum amount payable on behalf of the additional insured will be the lesser of what is required by the contract or the available policy limits. Understanding these key aspects is essential for both policyholders and additional insured parties to ensure adequate protection and compliance with contractual obligations.

Cg 20 10 07 04 Liability Endorsement 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

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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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CG 20 10 12 19

Documents used along the form

The CG 20 10 07 04 Liability Endorsement form is a crucial document in commercial general liability insurance. It designates additional insured parties and outlines the coverage specifics. Along with this endorsement, several other forms and documents are commonly utilized to ensure comprehensive coverage and compliance with contractual obligations. Here’s a list of related documents that may be required.

Certificate of Insurance: This document serves as proof of insurance coverage. It details the types of coverage, policy limits, and the insured parties, providing assurance to stakeholders that the necessary insurance is in place.
Commercial General Liability Policy: This is the primary insurance policy that provides coverage for bodily injury, property damage, and personal injury claims. The CG 20 10 07 04 endorsement modifies this policy to add additional insureds.
Additional Insured Endorsement: Similar to the CG 20 10 07 04 form, this endorsement specifically names additional insured parties and clarifies the extent of their coverage under the primary policy.
Employee Handbook Form: This document is vital for establishing workplace standards and clarifying employee expectations. To begin, you can access the Missouri PDF Forms for the Employee Handbook.
Indemnity Agreement: This legal document outlines the responsibilities of parties in a contract. It typically states that one party agrees to compensate the other for certain damages or losses, often related to liability claims.
Contractor Agreement: This agreement details the terms and conditions between a contractor and a client. It often includes provisions for insurance requirements, including the necessity for additional insured endorsements.
Waiver of Subrogation: This document prevents an insurer from pursuing a third party for recovery of claims paid. It is often included in contracts to protect both parties from liability claims.
Scope of Work Document: This outlines the specific tasks and responsibilities of the contractor. It is essential for clarifying the operations that the additional insured coverage applies to.
Claims Reporting Form: This form is used to report incidents or claims to the insurer. Timely reporting is crucial for ensuring that claims are processed and covered under the relevant policies.

Understanding these documents can help ensure that all parties are adequately protected and compliant with contractual obligations. Always consult with a legal or insurance professional for specific guidance tailored to your situation.

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Key takeaways

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

Identify Additional Insureds: Clearly list the names of any additional insured persons or organizations in the designated schedule. This ensures they are covered under your policy.
Understand Coverage Scope: The endorsement only covers liabilities related to "bodily injury," "property damage," or "personal and advertising injury" linked to your actions or those acting on your behalf.
Check Contract Requirements: If your contract specifies coverage for additional insureds, the insurance provided cannot exceed what the contract requires.
Be Aware of Exclusions: Coverage does not apply if the work has been completed or if the injured party has used the work as intended.
Limits of Insurance: The maximum amount payable for additional insureds is the lesser of the contract requirement or the available limits of your policy. This endorsement will not increase your overall coverage limits.

Form Overview

Fact Name	Details
Purpose	This endorsement adds specific individuals or organizations as additional insureds under a Commercial General Liability policy, covering them for certain liabilities arising from the named insured's operations.
Coverage Limitations	The coverage for additional insureds is limited to the extent required by law or by contract. It cannot exceed what the named insured is obligated to provide.
Exclusions	Coverage does not apply to bodily injury or property damage that occurs after the completion of work or when the work has been put to its intended use by someone other than another contractor.
Governing Law	The endorsement is governed by the laws of the state in which the insurance policy is issued, which may vary based on the jurisdiction.

Frequently Asked Questions

What is the purpose of the CG 20 10 07 04 Liability Endorsement form?

The CG 20 10 07 04 Liability Endorsement form is designed to extend coverage under a Commercial General Liability (CGL) policy. Specifically, it adds additional insureds, such as owners, lessees, or contractors, to the policy. This means that if a claim arises related to bodily injury, property damage, or personal and advertising injury due to your operations, those additional insureds may also be covered, as long as the claim is connected to your actions or those acting on your behalf.

Who qualifies as an additional insured under this endorsement?

Additional insureds are specified in a schedule included in the endorsement. They can be individuals or organizations that you work with, such as project owners or contractors. The coverage applies only for liabilities arising from your operations at designated locations. It’s important to note that the endorsement does not provide blanket coverage; it only applies to the parties listed in the schedule and under the conditions outlined in the policy.

Are there any limitations to the coverage provided?

Yes, there are specific limitations. The coverage for additional insureds only applies to claims that occur during your ongoing operations and does not extend to completed work. For example:

If all work on a project has been completed, any subsequent claims related to that work will not be covered.
If the injured party has put the work to its intended use, coverage may not apply if the injury or damage arises from that use.

Additionally, the coverage cannot exceed what is required by any contract or agreement you have with the additional insured.

What happens if the coverage required by the contract is less than the policy limits?

In such cases, the endorsement specifies that the maximum amount payable on behalf of the additional insured will be the lesser of the coverage required by the contract or the limits available under your policy. This means that the insurance company will not pay more than what is stipulated in the contract, even if your policy has higher limits. This ensures that you are not liable for more than what you agreed to provide.

Click for Cg 20 10 07 04 Liability Endorsement PDF

Misconceptions

Understanding the Cg 20 10 07 04 Liability Endorsement form is crucial for anyone involved in commercial insurance. Here are seven common misconceptions that need to be clarified:

All additional insureds receive unlimited coverage. Many believe that once an entity is added as an additional insured, they enjoy unlimited protection. In reality, coverage is limited to the terms of the contract and the policy's limits.
This endorsement covers all types of liability. Some assume that the endorsement covers every possible liability. However, it specifically addresses "bodily injury," "property damage," and "personal and advertising injury" related to ongoing operations.
Coverage is automatic for all operations. There's a misconception that any operation performed for the additional insured is automatically covered. The endorsement only applies to operations listed in the schedule.
Once coverage is granted, it cannot be revoked. Some people think that once an additional insured is added, they cannot lose coverage. Coverage can be revoked if the conditions of the policy or contract are not met.
All work-related injuries are covered. It's often believed that all injuries occurring during work are covered. In fact, coverage does not apply if the injury occurs after the work has been completed.
The endorsement increases policy limits. Many think adding an additional insured boosts the overall policy limits. This is incorrect; the endorsement does not increase the limits of insurance provided.
Additional insureds are covered for past work. Some individuals believe that past work is covered under this endorsement. However, coverage only applies to ongoing operations and does not extend to completed work.

Clarifying these misconceptions is essential for effective risk management and ensuring compliance with contractual obligations. Always consult with a qualified insurance professional for specific guidance.