Whenever an insured goes into a contractual agreement with another party, the contract itself will usually require that the third party be added as an additional insured to the insured’s liability policy, for liability arising out of the terms of contract. Construction and real estate agreements often require businesses to list partners, landlords, subcontractors or any other interests be named as additional insureds before any work can commence. While it is preferable to list each party individually, this isn’t always feasible since all of the interests may not be known on a large project or the length of the project may be such that interests change over the course of the project. As such, some contracts require that additional insureds be automatically granted such status on a blanket basis. Over the years, ISO has revised and added new additional insured endorsements in an effort to standardize and streamline the coverage to fit the needs of the additional insured, while also protecting the insured’s interests so that the liability is extended only for what is required by the contract and such coverage ends at the time the need for such status has ended.
There are currently over 40 ISO additional insured endorsements available, as noted in the attached chart which describes each endorsement in brief and the states in which the endorsement is available.
| Form Number | Title | Description Note: The endorsement description provides a brief summary and is not a full and complete description of the endorsement, its use, nor its intent. This content should not be used as a replacement for full review of the endorsement in its entirety. | Applicable States |
| CG 20 01 12 19 | PRIMARY AND NONCONTRIBUTORY - OTHER INSURANCE CONDITION | Revises the Other Insurance Condition to provide additional insured coverage on a primary and noncontributory basis to meet the terms of a written contract or agreement, conditional upon the additional insured must be a named insured on other insurance that is available to them and the written contract or agreement entered into by the insured must state that the insured's policy will be primary and will not seek contribution from any other insurance available to the additional insured. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 02 11 85 | ADDITIONAL INSURED - CLUB MEMBERS | Revises Who Is An Insured to include the insured's club members or association members, but only as respects their liability in performing activities for or on behalf of the insured. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY |
| CG 20 03 12 19 | ADDITIONAL INSURED - CONCESSIONAIRES TRADING UNDER YOUR NAME | Revises Who Is An Insured to include concessionaire(s) shown in the endorsement schedule as additional insured, but only as respects their liability trading under the insured's name. Several provisions apply: 1) the endorsement is subject to the extent permitted by law; 2 ) the coverage will not be broader than what is required by the contract. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 04 11 85 | ADDITIONAL INSURED - CONDOMINIUM UNIT OWNERS | Revises Who Is An Insured to include as additional insured each individual unit owner of the insured condominium, but only as respects their liability arising out of ownership, maintenance, or repair of that portion of the condo premises that is not for that unit owners' exclusive use or occupancy. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY |
| CG 20 05 12 19 | ADDITIONAL INSURED - CONTROLLING INTEREST | Revises Who Is An Insured to include those persons or organizations shown in the endorsement schedule as additional insureds but only as respects their liability arising out of financial control of the insured; or with respect to premises they own, maintain or control while the insured leases or occupies these premises. The coverage is subject to certain provisions: 1) it only applies to the extent such coverage is permitted by law; and 2) coverage cannot be broader than what is required by the contract or agreement. The coverage does not apply to structural alterations, new construction or demolition operations performed by or for that person or organization. The amount available is the least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 07 12 19 | ADDITIONAL INSURED - ENGINEERS, ARCHITECTS OR SURVEYORS | For owners, lessees or contractors – owners or lessees on policies covering contractors or contractors on policies covering subcontractors. Revises Who Is An Insured to include architects, engineers or surveyors engaged by the insured, but only as respects their liability specifically for bodily injury, property damage or personal and advertising injury caused in any part by the acts or omissions of the insured or those acting on the insured's behalf in connection with insured premises or in the performance of insured's ongoing operations. The coverage is subject to certain provisions: 1) it only applies to the extent such coverage is permitted by law; and 2) coverage cannot be broader than what is required by the contract or agreement. The coverage does not apply to the rendering or failure to render professional services, with such services described in the endorsement. This professional exclusion applies to claims of negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the occurrence involved professional services. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 08 04 13 | ADDITIONAL INSURED - USERS OF GOLFMOBILES | Revises Who Is An Insured to include as additional insured anyone using or legally responsible for use of golfmobiles if loaned or rented to others by insured or any of insured's concessionaires, but only as respects their liability arising out of the use of the golfmobiles. A golfmobile is defined as a motorized conveyance that is: 1) designed to carry up to four persons on a golf course for purpose of playing golf; and 2) neither built nor modified to exceed 25 mph on level ground. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY |
| CG 20 10 12 19 | ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - SCHEDULED PERSON OR ORGANIZATION | Revises Who Is An Insured to include those shown in the schedule as additional insured, but only with respect specifically to bodily injury, property damage or personal and advertising injury caused in whole or part by either your acts or omissions, or the acts or omissions of those acting on your behalf in the performance of ongoing operations for the additional insured as the locations shown in the schedule. The coverage is subject to certain provisions: 1) it only applies to the extent such coverage is permitted by law; and 2) coverage cannot be broader than what is required by the contract or agreement. The coverage does not apply to bodily injury or property damage occurring after all the work to be performed by or on behalf of the additional insured at the location has been completed; or that portion of "your work" 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 part of the same project. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 11 12 19 | ADDITIONAL INSURED - MANAGERS OR LESSORS OF PREMISES | For managers or operators of premises or interests from whom premises have been rented or leased on policies covering lessees or tenants. Revised Who Is An Insured to include those designed in the endorsement schedule as additional insured, but only as respects liability specifically for bodily injury, property damage, or personal and advertising injury caused in whole or part by the insured or those acting on insured's behalf in connection with the ownership, maintenance, or use of that part of the premises leased to the insured and as shown in the endorsement schedule. Coverage does not apply to 1) any occurrence taking place after insured ceases to be a tenant in that premises; 2) structural alterations, new construction or demolition operations performed by or on behalf of any shown in the endorsement schedule. The coverage is subject to certain provisions: 1) it only applies to the extent such coverage is permitted by law; and 2) coverage cannot be broader than what is required by the contract or agreement. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 12 12 19 | ADDITIONAL INSURED - STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICAL SUBDIVISION - PERMITS OR AUTHORIZATIONS | For managers or operators of premises or interests from whom premises have been rented or leased on policies covering lessees or tenants. Revises Who Is An Insured to include those designed in the endorsement schedule as additional insured, but only as respects liability specifically for bodily injury, property damage, or personal and advertising injury caused in whole or part by the insured or those acting on insured's behalf in connection with the ownership, maintenance, or use of that part of the premises leased to the insured and as shown in the endorsement schedule. Coverage does not apply to 1) any occurrence taking place after insured ceases to be a tenant in that premises; 2) structural alterations, new construction or demolition operations performed by or on behalf of any shown in the endorsement schedule. The coverage is subject to certain provisions: 1) it only applies to the extent such coverage is permitted by law; and 2) coverage cannot be broader than what is required by the contract or agreement. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 13 12 19 | ADDITIONAL INSURED - STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICAL SUBDIVISION - PERMITS OR AUTHORIZATIONS RELATING TO PREMISES | This endorsement is basically the same as endorsement CG 20 13 12 19 but only applies with respect to permits or authorizations in connection with premises owned, rented or controlled by the insured, for specific hazards: 1) existence, maintenance, repair, construction, erection or removal of advertising signs, awnings, canopies, marquees, hoist away openings, sidewalk vaults, street banners or decorations or similar exposures; 2) construction, erection or removal of elevators; or 3) ownership, maintenance or use of any covered elevators. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 14 11 85 | ADDITIONAL INSURED - USERS OF TEAMS, DRAFT OR SADDLE ANIMALS | Adds to Who Is An Insured anyone using or legally responsible for the use of draft or saddle animals, or vehicles for use with such, provided the use is by the insured or someone authorized by the insured. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY |
| CG 20 15 12 19 | ADDITIONAL INSURED - VENDORS | For use in extending product liability coverage to vendors as additional insureds on policies covering manufacturers or distributors, for the vendor's distribution or sale of the named insured's products. The vendor and the respective products must be shown in the endorsement schedule. Specific exclusions are added: 1) bodily injury or property damage the vendor would be obligated to pay damages by assumption of liability in a contract or agreement, except for damages the vendor would have in the absence of the contract or agreement; 2) any express warranty authorized by the insured; 3) any intentional vendor-made physical or chemical change in the product; 4) Except for inspection, demonstration, testing or parts substitution required by the manufacturer, any repackaging; 5) failure to make inspections, adjustments, tests, or servicing agreed to by the vendor or would normally be taken in connection with product sales or distribution; 6) except performed at the vendor's premises in connection with the product sale, any demonstration, installation, servicing or repair operations; 7) any vendor labeling or relabeling or any other use of products by or for the vendor after the product sale or distribution; 8) bodily injury or property damage arising out of the vendor's sole negligence or those of its employees or anyone else acting on its behalf, except with respect to certain stated exceptions and such inspections, adjustments, tests or servicing the vendor has agreed to make or would normally take in usual course of business in connection with the product sale or distribution. Coverage under the endorsement does not extend to any other person or organization in connection with the products. Several provisions apply: 1) the endorsement is subject to the extent permitted by law; 2 ) the coverage will not be broader than what is required by the contract. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 17 12 19 | ADDITIONAL INSURED - UNIT-OWNERS OF TOWNHOUSE OR HOMEOWNER ASSOCIATIONS | With respect to townhouse or homeowner association members, this endorsement adds as an additional insured each unit owner with respect to liability arising out of the ownership, maintenance, use or repair of 1) real property to which the unit owner has title; or 2) that portion of the premises reserved for the unit owner's exclusive use of occupancy. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, VA, VT, WA, WI, WV, WY |
| CG 20 18 12 19 | ADDITIONAL INSURED - MORTGAGEE, ASSIGNEE OR RECEIVER | For policies covering owners or general lessees, this endorsement adds as additional insured persons or organizations shown in the schedule as respects the designated premises with respect to their liability as mortgagee, assignee or receiver arising out of the ownership, maintenance or use of those premises by the insured. The coverage does not apply to structural alterations, new construction and demolition operations performed by or for that scheduled person or organization. Several provisions apply: 1) the endorsement is subject to the extent permitted by law; 2 ) the coverage will not be broader than what is required by the contract. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 20 11 85 | ADDITIONAL INSURED - CHARITABLE INSTITUTIONS | This endorsement applies to charitable institutions. Amends Who Is An Insured to include as additional insured trustees and members of boards of governors with respect to their liability for activities they perform for you or on your behalf; and while acting within the scope of their duties as such on your behalf. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY |
| CG 20 22 10 01 | ADDITIONAL INSURED - CHURCH MEMBERS AND OFFICERS | For policies covering churches, adds as additional insureds the insured's church members with respect to their liability for activities performed by you or on your behalf; and as respects any trustee, official, or board members/governors of the church, or clergy members, only with respect to their duties as such. Coverage C - Medical Payments coverage is replaced to exclude bodily injury to any insured, except church members who are not paid a fee, salary or other compensation; thereby providing this coverage for church members and volunteers who meet these parameters. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY |
| CG 20 23 12 19 | ADDITIONAL INSURED - EXECUTORS, ADMINISTRATORS, TRUSTEES OR BENEFICIARIES | For policies covering deceased person estates or living trusts, adds as additional insured any executor, administrator, trustee or beneficiary while acting within the scope of their duties as such. Several provisions apply: 1) the endorsement is subject to the extent permitted by law; 2 ) the coverage will not be broader than what is required by the contract. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 24 12 19 | ADDITIONAL INSURED - OWNERS OR OTHER INTERESTS FROM WHOM LAND HAS BEEN LEASED | For owners or other interests from whom land has been leased, amends Who Is An Insured to include those designed in the endorsement schedule as additional insured, but only as respects liability specifically for bodily injury, property damage, or personal and advertising injury caused in whole or part by the insured or those acting on insured's behalf in connection with the ownership, maintenance, or use of that part of the land leased to the insured and as shown in the endorsement schedule. Coverage does not apply to 1) any occurrence taking place after the land lease ends; 2) structural alterations, new construction or demolition operations performed by or on behalf of any shown in the endorsement schedule. The coverage is subject to certain provisions: 1) it only applies to the extent such coverage is permitted by law; and 2) coverage cannot be broader than what is required by the contract or agreement. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 25 11 85 | ADDITIONAL INSURED - ELECTIVE OR APPOINTIVE EXECUTIVE OFFICERS OF PUBLIC CORPORATIONS | For use with public or municipal corporation risks, adds as additional insured those elective or appointive executive officers, including your board members, or members of your corporations or commissions, but only while acting within the scope of their duties as such. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY |
| CG 20 26 12 19 | ADDITIONAL INSURED - DESIGNATED PERSON OR ORGANIZATION | Revises Who Is An Insured to include those designated in the endorsement schedule as additional insured, but only as respects liability specifically for bodily injury, property damage, or personal and advertising injury caused in whole or part by the acts or omissions of the insured or those acting on the insured's behalf in the performance of the insured's operations or with premises owned by or rented to the insured. The coverage is subject to certain provisions: 1) it only applies to the extent such coverage is permitted by law; and 2) coverage cannot be broader than what is required by the contract or agreement. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 27 12 19 | ADDITIONAL INSURED - CO-OWNER OF INSURED PREMISES | For policies covering co-ownership of premises, adds as an additional insured the scheduled person or organization and the location of the co-owned premises, but coverage is only with respect to their liability as the co-owner. The coverage is subject to certain provisions: 1) it only applies to the extent such coverage is permitted by law; and 2) coverage cannot be broader than what is required by the contract or agreement. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 28 12 19 | ADDITIONAL INSURED - LESSOR OF LEASED EQUIPMENT | For insureds leasing equipment, adds as additional insured the persons or organizations shown in the schedule with respect to liability for bodily injury, property damage, or personal and advertising injury caused in any part by your maintenance, operation or use of the leased equipment. This coverage does not apply to any occurrence taking place after the lease expires. The coverage is subject to certain provisions: 1) it only applies to the extent such coverage is permitted by law; and 2) coverage cannot be broader than what is required by the contract or agreement. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 29 12 19 | ADDITIONAL INSURED - GRANTOR OF FRANCHISE | For insureds in a franchise agreement, adds as additional insured the persons or organizations shown in the schedule, but only with respect to their liability as grantor of the franchise. The coverage is subject to certain provisions: 1) it only applies to the extent such coverage is permitted by law; and 2) coverage cannot be broader than what is required by the contract or agreement. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 30 12 19 | OIL OR GAS OPERATIONS - NONOPERATING, WORKING INTERESTS | For oil or gas operating risks on policies covering the operators of such leases, adds as additional insured those with non-operating working interests in those oil or gas leases of which you are operator. This includes any owner, co-owner, party of joint venture, mining partner, or limited liability company with such interest, but only with respect to their liability arising out of such nonoperating working interest. To the extent coverage applies under this endorsement, the limitation contained in the last paragraph of Who Is An Insured with respect to any partnership, joint venture or LLC not shown as a named insured does not apply. The coverage is subject to certain provisions: 1) it only applies to the extent such coverage is permitted by law; and 2) coverage cannot be broader than what is required by the contract or agreement. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 31 12 19 | ADDITIONAL INSURED - ENGINEERS, ARCHITECTS OR SURVEYORS | This endorsement only applies to the Owners and Contractors Protective Liability Coverage Part. It includes as additional insured any architect, engineer or surveyor engaged by the insured, but only with respect to liability for bodily injury or property damage caused in any part by acts or omissions by you or those acting on your behalf, in connection with your premises; or in the performance of your ongoing operations. Refer to the endorsement for additional terms that apply. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 32 12 19 | ADDITIONAL INSURED - ENGINEERS, ARCHITECTS OR SURVEYORS NOT ENGAGED BY THE NAMED INSURED | This endorsement available to add architects, engineers or surveyors not engaged by you as additional insureds, but only when required by contract, and as shown in the endorsement schedule. Additional insured status only applies with respect to liability for bodily injury, property damage or personal and advertising injury caused in any part by the acts or omissions of you or those acting on your behalf in the performance of your ongoing operations. Coverage does not extend to the rendering or failure to render any professional services; and that exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the occurrence involved professional services. The coverage is subject to certain provisions: 1) it only applies to the extent such coverage is permitted by law; and 2) coverage cannot be broader than what is required by the contract or agreement. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 33 12 19 | ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - AUTOMATIC STATUS WHEN REQUIRED IN A WRITTEN CONSTRUCTION AGREEMENT WITH YOU | This endorsement for owners, lessees or contractors applies when insured is required by signed contract to add a contractor or subcontractor as additional insured. The coverage is automatic in these required contracts, but is only with respect to liability for bodily injury, property damage, or personal and advertising injury caused in any part by the acts or omissions of you or those acting on your behalf in the performance of your ongoing operations for the additional insured. Coverage ends when operations for the additional insured are completed, and does not extend to any professional services, as described in the endorsement. Coverage is further excluded for bodily injury or property damage occurring after the project work is complete, or when that portion out of which the injury or damage arises has been put to its intended use by anyone other than another contractor or subcontractor engaged in performing operations for a principal as part of the same project. The coverage is subject to other certain provisions: 1) it only applies to the extent such coverage is permitted by law; and 2) coverage cannot be broader than what is required by the contract or agreement. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 34 12 19 | ADDITIONAL INSURED - LESSOR OF LEASED EQUIPMENT - AUTOMATIC STATUS WHEN REQUIRED IN LEASE AGREEMENT WITH YOU | This endorsement is similar to CG 20 28 described above, except that this endorsement provides automatic additional insured status to such lessors of leased equipment when required by written contract. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 35 12 19 | ADDITIONAL INSURED - GRANTOR OF LICENSES - AUTOMATIC STATUS WHEN REQUIRED BY LICENSOR | This endorsement is similar to CG 20 36 described below, except that this endorsement provides automatic additional insured status to such grantors of license when required by written contract. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 36 12 19 | ADDITIONAL INSURED - GRANTOR OF LICENSES | This endorsement applies when insured is required by contract to add as additional insured a grantor of their license. Who Is An Insured is amended to include as additional insured those shown in the schedule, but only with respect to their liability as grantor of the license to you. The coverage is subject to certain provisions: 1) it only applies to the extent such coverage is permitted by law; and 2) coverage cannot be broader than what is required by the contract or agreement. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 37 12 19 | ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - COMPLETED OPERATIONS | For use on policies covering contractors, or contractors on policies covering subcontractors. Amends Who Is An Insured to include as additional insureds the scheduled persons or organizations with respect to bodily injury or property damage caused in any part by your work, at the designated location in the schedule, for work performed for that additional insured and included in the products-completed operations hazard. The coverage is subject to certain provisions: 1) it only applies to the extent such coverage is permitted by law; and 2) coverage cannot be broader than what is required by the contract or agreement. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 38 12 19 | ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - AUTOMATIC STATUS FOR OTHER PARTIES WHEN REQUIRED IN WRITTEN CONSTRUCTION AGREEMENT | For use on policies covering owners or lessees, or contractors who have signed a written contract requiring them, or any other party or organization, to be added as an additional insured on a policy covering a contractor or subcontractor, with respect to liability arising out of your ongoing operations performed for that additional insured, caused in any part by the acts or omissions of you or those acting on your behalf. The additional insured status ends when your operations for the person or organization are completed. Coverage does not extend to the rendering or failure to render any professional services; and that exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the occurrence involved professional services. Coverage is further excluded for bodily injury or property damage occurring after the project work is complete, or when that portion out of which the injury or damage arises has been put to its intended use by anyone other than another contractor or subcontractor engaged in performing operations for a principal as part of the same project. The coverage is subject to certain provisions: 1) it only applies to the extent such coverage is permitted by law; and 2) coverage cannot be broader than what is required by the contract or agreement. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 39 12 19 | ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - AUTOMATIC STATUS WHEN REQUIRED IN A WRITTEN CONSTRUCTION AGREEMENT WITH YOU (COMPLETED OPERATIONS) | See CG 20 37. Provides same coverage except no need to individually schedule each person/organization. For owners or lessees, or contractors who have signed a contract or agreement that requires them to be added as an additional insured on a policy covering a contractor or a subcontractor, with respect to liability arising out of the named insured's completed operations for work performed for that additional insured. Cannot attach this endorsement if CG 21 39 is on the policy. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 40 12 19 | ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - AUTOMATIC STATUS FOR OTHER PARTIES WHEN REQUIRED IN WRITTEN CONSTRUCTION AGREEMENT (COMPLETED OPERATIONS) | See CG 20 37. Provides same coverage except no need to individually schedule each person/organization. This endorsement can be used to add as additional insured a party or organization the named insured has not directly contracted with, but which the insured is obligated by contract to add as additional insured. As with CG 20 40, cannot be added to a policy that has CG 21 39 on the policy. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 41 12 19 | ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - COMPLETED OPERATIONS SUBJECT TO THE GENERAL AGGREGATE | This endorsement available only for classifications with a (+) symbol, and the Declarations or policy Schedule states "Products-completed operations are subject to the General Aggregate Limit"). For owners, lessees or contractors on policies covering a contractor or subcontractor. Additional insured status only applies with respect to liability for bodily injury, property damage or personal and advertising injury caused in any part by the acts or omissions of you or those acting on your behalf in the performance of your ongoing operations at the scheduled location(s); and bodily injury or property damage caused in any part by your work, except as shown in the endorsement schedule and performed for the scheduled additional insured(s). The coverage is subject to certain provisions: 1) it only applies to the extent such coverage is permitted by law; and 2) coverage cannot be broader than what is required by the contract or agreement. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. Endorsement cannot be attached if CG 21 39 is on the policy. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 42 12 19 | ADDITIONAL INSURED - AUTOMATIC STATUS FOR DESIGNATED OPERATIONS | For insureds who have agreed to add any person or organization as additional insured with respect to liability arising out of the named insured's designated operations. Applies coverage in the same manner as CG 20 26, without the need to individually schedule such additional insureds. This endorsement cannot be attached if CG 21 39 is on the policy. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 43 12 19 | ADDITIONAL INSURED - AUTOMATIC STATUS WHEN REQUIRED IN WRITTEN CONTRACT OR AGREEMENT | This endorsement available to automatically add as additional insureds those persons or organizations with whom the insured has signed a written contract or agreement with requiring they be added with respect to liability arising out of the named insured's operations. Coverage applies only with respect to liability for bodily injury, property damage, or personal and advertising injury caused in any part by the acts or omissions of you or those acting on your behalf in the performance of your ongoing operations for the additional insured. The coverage does not apply to the rendering or failure to render professional services, with such services described in the endorsement. This professional exclusion applies to claims of negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the occurrence involved professional services. The coverage is subject to other certain provisions: 1) it only applies to the extent such coverage is permitted by law; and 2) coverage cannot be broader than what is required by the contract or agreement. The amount available is least of either the amount required by the contract, or the available limits of insurance. This is not additional insurance. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| CG 20 44 12 19 | ADDITIONAL INSURED - VENDORS - AUTOMATIC STATUS WHEN REQUIRED IN AGREEMENT | Same as endorsement CG 20 15 except provides additional insured status automatically without the need to individually schedule each vendor. | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
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