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Cg 20 10 07 04 Liability Endorsement Template

The Cg 20 10 07 04 Liability Endorsement form is an important document that modifies a Commercial General Liability policy to include additional insured parties. It specifies the conditions under which these additional insureds are covered for liability related to bodily injury, property damage, or personal and advertising injury arising from the actions of the policyholder. Understanding this endorsement is crucial for ensuring compliance with contractual obligations and protecting all parties involved.

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The CG 20 10 07 04 Liability Endorsement form is a crucial document for businesses seeking to extend their liability coverage to additional insured parties. This endorsement specifically modifies the Commercial General Liability (CGL) coverage, allowing designated individuals or organizations to be included as additional insureds. It is essential to understand that the coverage applies only to liabilities arising from bodily injury, property damage, or personal and advertising injury linked to the actions or omissions of the named insured or their representatives during ongoing operations. The form stipulates that the insurance provided will not exceed the terms outlined in any existing contracts or agreements. Importantly, the coverage is limited to incidents occurring before the completion of all work associated with the project, which includes materials and equipment. Furthermore, the endorsement sets forth specific exclusions, ensuring that claims arising after the work has been completed are not covered. Businesses must also note that if the additional insured status is contractually required, the maximum payout will be capped at either the contractually required amount or the limits of the policy, whichever is lower. Overall, this endorsement is a vital tool for managing risk and ensuring compliance with contractual obligations in various business arrangements.

Instructions on How to Fill Out Cg 20 10 07 04 Liability Endorsement

Completing the CG 20 10 07 04 Liability Endorsement form is a straightforward process that ensures the necessary parties are included as additional insureds under your commercial general liability insurance policy. Follow these steps carefully to fill out the form accurately.

Locate the Policy Number: At the top of the form, find the section labeled "POLICY NUMBER." Enter your specific policy number here to identify the insurance coverage that this endorsement will modify.
Fill in the Schedule: In the section titled "Name Of Additional Insured Person(s) Or Organization(s)," write the names of the individuals or organizations you wish to add as additional insureds. Be sure to include all necessary names to avoid any issues later.
Specify Locations: Next, in the "Location(s) Of Covered Operations" section, provide the addresses or descriptions of the locations where the additional insureds will be covered. This is crucial for defining the scope of the coverage.
Review the Declarations: If any information required to complete the schedule is not shown directly on the form, check the Declarations page of your policy. This page will contain any additional details needed for the endorsement.
Understand the Coverage Limits: Familiarize yourself with the limitations and exclusions outlined in the form. This includes understanding that the coverage for additional insureds may not exceed what is required by contract and that certain exclusions apply after work has been completed.
Sign and Date: Finally, ensure that you sign and date the form at the bottom. This verifies that the information provided is accurate and that you agree to the terms outlined in the endorsement.

Once you have filled out the form, review it for any errors or omissions before submitting it to your insurance provider. This will help ensure that the endorsement is processed smoothly and that the additional insureds are properly covered under your policy.

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. It is essential for protecting those parties from liability related to your operations.
Complete the Schedule Accurately: Ensure that the names of the additional insured persons or organizations and their locations are filled out correctly. This information is critical for the endorsement to be valid.
Know the Scope of Coverage: The coverage for additional insureds is limited to liability arising from your acts or omissions during ongoing operations. It does not cover all potential liabilities.
Be Aware of Exclusions: Coverage does not apply to bodily injury or property damage occurring after your work has been completed or when the work has been put to its intended use by others.
Contractual Limitations: If coverage is required by a contract, the insurance provided will not exceed the limits specified in that contract or the limits of your policy, whichever is lower.
Review the Policy Regularly: Regularly review your policy and endorsements to ensure they meet your current needs and comply with any contractual obligations.

Taking these points into account will help ensure that you use the CG 20 10 07 04 Liability Endorsement form effectively and maintain compliance with your insurance requirements.

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Documents used along the form

The CG 20 10 07 04 Liability Endorsement form is a crucial document in the realm of commercial general liability insurance. It serves to add additional insured parties to an insurance policy, providing them with coverage under specific circumstances. This form often accompanies other essential documents that help clarify the terms of coverage and the responsibilities of the parties involved. Below is a list of related forms and documents that are commonly used alongside the CG 20 10 07 04 Liability Endorsement.

Certificate of Insurance: This document provides proof of insurance coverage. It outlines the types of coverage, policy limits, and the effective dates of the insurance policy.
Additional Insured Endorsement: Similar to the CG 20 10 07 04 form, this endorsement adds specific individuals or organizations as additional insureds on a policy, often required by contracts.
Indemnity Agreement: This legal document outlines the responsibilities of one party to compensate another for certain damages or losses, often related to liability claims.
Waiver of Subrogation: This form prevents the insurance company from seeking reimbursement from a third party after it has paid a claim, thus protecting the additional insured.
Contractor Agreement: This document defines the terms of the relationship between a contractor and a client, including liability obligations and insurance requirements.
General Liability Policy: The main insurance policy that provides coverage for various liability claims, including bodily injury and property damage.
Claim Form: This document is used to report an incident or claim to the insurance company, initiating the claims process for coverage under the policy.
Endorsement Schedule: A document that lists all endorsements attached to a policy, detailing any modifications or additional coverage provided.

These documents work together to create a comprehensive framework for managing liability and ensuring that all parties understand their rights and obligations. Properly utilizing these forms can help mitigate risks and clarify coverage in various situations.

Sample - 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

Dos and Don'ts

When filling out the CG 20 10 07 04 Liability Endorsement form, consider the following dos and don'ts:

Do ensure that all required information is accurately filled out, including the names of additional insured persons or organizations.
Do read the endorsement carefully to understand the coverage and limitations it provides.
Don't leave any sections blank; incomplete forms may lead to processing delays.
Don't provide information that is inconsistent with the terms of your existing contract or agreement.