Q
When we insure clubs for liability, we always add the Additional Insured—Club Members endorsement (CG 20 02 11 85) to the commercial general liability coverage form (CGL) to give all members liability protection while they are performing activities on behalf of the club. One underwriter states that when we do this, club members who are injured through the negligence of the club would not be able to recover damages under the club's CGL coverage form, since they are insureds under the policy. We do not believe this was the intent of the endorsement and believe that a member would be able to collect from the club's CGL form if he or she were injured while performing an activity on behalf of the club.
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