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Free Cg 20 10 07 04 Liability Endorsement Template

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 insured parties, providing them with coverage for certain liabilities arising from your operations. Understanding this endorsement can help ensure that all parties involved in a project are adequately protected.

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Free Cg 20 10 07 04 Liability Endorsement Template

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The CG 20 10 07 04 Liability Endorsement form serves a critical function within the realm of commercial general liability insurance, specifically addressing the needs of additional insured parties. This endorsement modifies the existing policy to include specified individuals or organizations as additional insureds, thereby extending coverage for liabilities arising from bodily injury, property damage, or personal and advertising injury. The coverage is contingent upon the actions or omissions of the named insured or those acting on their behalf while performing ongoing operations for the additional insured at designated locations. However, it is essential to note that the insurance provided does not exceed the limits outlined in any contractual agreements and is subject to specific exclusions. For instance, coverage ceases once all work related to a project has been completed, or when the work has been put to its intended use. This endorsement is designed to clarify the scope of coverage, ensuring that both the primary insured and the additional insured understand their rights and obligations under the policy. By adhering to these stipulations, businesses can better navigate the complexities of liability insurance and protect their interests in various operational contexts.

Key takeaways

When filling out and using the CG 20 10 07 04 Liability Endorsement form, consider the following key takeaways:

Understand the Purpose: This endorsement adds additional insured parties to your commercial general liability policy.
Complete the Schedule: Provide the names and locations of the additional insured persons or organizations in the designated schedule section.
Review Coverage Scope: Coverage applies only for liability related to bodily injury, property damage, or personal and advertising injury linked to your operations.
Contractual Obligations: If required by a contract, the coverage must align with the terms specified in that contract.
Be Aware of Exclusions: Liability coverage does not extend to injuries or damages occurring after the completion of the project work.
Limitations on Coverage: The amount paid on behalf of the additional insured will not exceed the lesser of the contract requirement or the policy limits.
Check Legal Compliance: The insurance provided must comply with applicable laws in your jurisdiction.
Clarify Responsibilities: Liability for injuries or damages caused by your acts or those acting on your behalf is covered, but only in connection with ongoing operations.
Keep Records Updated: Ensure that any changes to the schedule or additional insured parties are documented and updated as necessary.

Dos and Don'ts

When filling out the CG 20 10 07 04 Liability Endorsement form, it is essential to follow certain guidelines to ensure accuracy and compliance. Below are seven important dos and don’ts to keep in mind.

Do verify that you have the correct policy number before starting the form.
Do clearly list the names of all additional insured persons or organizations as required.
Do specify the locations of covered operations accurately to avoid coverage issues.
Do ensure that any information not shown in the Schedule is included in the Declarations.
Don't leave any sections blank; incomplete forms may lead to delays or denials.
Don't provide coverage that exceeds what is required by any contracts or agreements.
Don't forget to review the exclusions carefully to understand the limitations of the coverage.

Documents used along the form

The CG 20 10 07 04 Liability Endorsement form is an important document in commercial general liability insurance. It provides coverage for additional insured parties, ensuring that they are protected against certain liabilities arising from the actions of the insured. Several other forms and documents are often used in conjunction with this endorsement to clarify coverage, obligations, and terms. Below is a list of these related documents.

Certificate of Insurance: This document serves as proof of insurance coverage. It outlines the types of coverage, policy limits, and the insured party's information. It is often required by third parties to confirm that insurance is in place.
Additional Insured Endorsement: Similar to the CG 20 10 07 04, this endorsement specifically adds parties as additional insureds under a policy. It can vary in terms and conditions based on the specific needs of the parties involved.
New York Lease Agreement: A critical document that defines the terms of rental, ensuring both landlord and tenant rights are protected. For more details, you can refer to the Fast PDF Templates.
Contractual Agreement: This document outlines the terms and conditions agreed upon by parties involved in a project. It often specifies the insurance requirements, including the necessity for additional insured coverage.
Waiver of Subrogation: This form prevents the insurer from seeking reimbursement from a third party for claims paid. It is often included in contracts to protect all parties from future liability disputes.
Indemnity Agreement: This document outlines the responsibilities of one party to compensate another for certain damages or losses. It often relates to the liability coverage provided in the insurance policy.
Policy Declarations Page: This page summarizes the key details of an insurance policy, including coverage limits, deductibles, and the parties insured. It is essential for understanding the scope of coverage.

These documents work together to ensure that all parties involved in a project have a clear understanding of their insurance coverage and obligations. Properly managing these forms can help mitigate risks and protect against potential liabilities.

⇓ PDF Form

Things to Know About This Form

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

The CG 20 10 07 04 Liability Endorsement form is an addition to a Commercial General Liability policy. It extends coverage to certain additional insured parties, such as owners, lessees, or contractors, for specific liabilities that may arise from your operations. This endorsement outlines the conditions under which these additional insureds are covered.

Who qualifies as an additional insured under this endorsement?

Additional insureds are specified in a schedule within the endorsement. They can include individuals or organizations that you may be working for or with, such as property owners or contractors. Their coverage is limited to liabilities arising from your actions or those acting on your behalf during the performance of operations at designated locations.

What types of liabilities are covered?

This endorsement covers liabilities related to:

Bodily injury
Property damage
Personal and advertising injury

However, the coverage applies only if these liabilities are caused, in whole or in part, by your actions or those of your representatives during ongoing operations.

Are there any limitations on the coverage provided to additional insureds?

Yes, there are limitations. The coverage for additional insureds is restricted to the extent allowed by law and will not exceed what is required by any contract or agreement. If a contract specifies certain coverage levels, the endorsement will not provide broader coverage than what is mandated.

What exclusions apply to this endorsement?

The endorsement includes specific exclusions. Coverage does not apply to bodily injury or property damage that occurs after:

All work related to the project has been completed, except for service, maintenance, or repairs.
The part of your work that caused the injury or damage has been put to its intended use by someone other than another contractor or subcontractor involved in the same project.

How are limits of insurance determined for additional insureds?

The limits of insurance for additional insureds are determined by the lesser of two amounts:

The amount required by the contract or agreement.
The applicable limits of insurance available under your policy.

This means that the endorsement will not increase the overall limits of your insurance policy.

What should I do if I need to add an additional insured?

If you need to add an additional insured, you should consult your insurance provider to ensure the necessary details are included in the endorsement. The schedule must list the names of the additional insureds and the locations of the covered operations to provide proper coverage.

Can the coverage be modified or canceled?

Modifications or cancellations of the endorsement can occur, but they typically require formal communication with your insurance provider. Changes may depend on the specific terms of your policy and any agreements made with additional insureds.

Where can I find more information about my policy and this endorsement?

For more information, you should refer to the Declarations page of your policy or contact your insurance agent. They can provide detailed explanations regarding your coverage, limits, and any specific conditions related to the CG 20 10 07 04 Liability Endorsement form.

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

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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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