CG 20 10 12 19 Form PDF Details

The CG 20 10 12 19 form changes the base policy. It adds a specific person or organization, often an owner, lessee, or general contractor, as an additional insured. That status applies only to liability tied to the named insured’s ongoing work. Construction and service agreements often require one party to add the other as an additional insured for protection tied to work at a specific site.

This form gives the additional insured protection for bodily injury, property damage, or personal and advertising injury. But that protection applies only if the loss stems, fully or partly, from what the named insured did or failed to do. The protection applies strictly during ongoing operations. Once the project finishes, this endorsement stops responding to claims tied to completed work. That means parties often pair it with a separate completed operations endorsement if the contract demands extended protection.

In practical terms, here's what the form does:

• Adds a scheduled person or organization as an additional insured
• Limits coverage to liability caused by the named insured’s work
• Applies only to ongoing operations at listed locations
• Caps coverage to what the written contract requires
• Never increases the policy’s stated limits

The form states that coverage will not exceed what the contract requires and will not surpass available policy limits. That language prevents broader readings that earlier editions sometimes allowed.

Important: CG 20 10 12 19 is the newer revision of CG 20 10 07 04. Both cover ongoing operations only and exclude completed operations. The 2019 version has clearer restrictions on contracts and limits, while the 2004 edition uses less explicit language about limitations.

QuestionAnswer
Form Name CG 20 10 12 19 Liability Endorsement Form
Form Length 2 pages
Fillable? Yes
Fillable fields 3
Avg. time to fill out 7 min
Other names CG 20 10 07 04, CG 2010 0704, CG2010 0704, CG 2010 07 04

Form Preview Example

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

© Insurance Services Office, Inc., 2018

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

© Insurance Services Office, Inc., 2018

CG 20 10 12 19

How to Edit CG 20 10 12 19 Liability Endorsement Form Online for Free

Just open the form in our online PDF editor and start filling it out right in your browser.

Policy Information

Start at the top of the form. Fill in the correct policy number exactly as it appears on the Commercial General Liability declarations page.

Confirm the named insured and policy period before moving forward. This endorsement only modifies the existing CGL policy.

Complete the Schedule Section

Next, focus on the Schedule section. That’s the only part you actually fill in.

filling out cg 2010 0704 part 1

You’ll complete two fields:

• Name of Additional Insured Person(s) or Organization(s). Write the full legal name of the owner, lessee, or contractor you’re adding as an additional insured.
• Location(s) of Covered Operations. List the project site or job location where the named insured is performing work. Include street address, city, and state when possible. If coverage applies to multiple sites, list each one or reference an attached schedule.

If the required information already appears in the policy Declarations, you may see it referenced there instead of writing it again. But confirm it’s accurate before issuing the endorsement.

Confirm and Issue

That’s it for manual entries. The rest of the form contains preprinted language that defines:

• Ongoing operations only
• Contract-based coverage limitations
• No completed operations coverage
• Limits that cannot exceed contract requirements or policy limits

Before finalizing, compare the endorsement to the written contract. Make sure the additional insured name and job location match the agreement exactly.

Once completed, the insurer issues the endorsement and attaches it to the policy.

CG 20 10 12 19 Liability Endorsement Form isn’t the one you’re looking for?

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