Form Additional Insured PDF Details

In the realm of commercial general liability, the Additional Insured endorsement, specifically CG 20 37 04 13, plays a pivotal role in extending coverage to additional insured entities—like owners, lessees, or contractors after the completion of operations. By modifying the primary insurance policy, this endorsement ensures that the added entities are protected under the existing coverage, specifically for liabilities arising from "bodily injury" or "property damage" linked to the contractor's completed work at a specified location. Importantly, the coverage provided through this endorsement is meticulously crafted to align with legal boundaries and contractual obligations, ensuring that the additional insured's coverage does not exceed what is legally permissible or more than what the contractor is obligated to provide as per any existing contract. Additionally, it’s worth noting that the endorsement explicitly caps the coverage amount available to the additional insured, aligning it with the lesser of the contractually required amount or the limit specified within the existing insurance policy, without increasing the overall policy limits. This careful balance aims to protect all parties involved while adhering to the stipulated contractual and legal frameworks.

QuestionAnswer
Form NameForm Additional Insured
Form Length1 pages
Fillable?No
Fillable fields0
Avg. time to fill out15 sec
Other namescg 20 37, form additional insured, form 2037, form 20 37

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POLICY NUMBER:

COMMERCIAL GENERAL LIABILITY

 

CG 20 37 04 13

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED – OWNERS, LESSEES OR CONTRACTORS – COMPLETED OPERATIONS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

SCHEDULE

Name Of Additional Insured Person(s)

Or Organization(s)

Location And Description Of Completed 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" or "property damage" caused, in whole or in part, by "your work" at the location designated and described in the Schedule of this endorsement performed for that additional insured and included in the "products-completed operations hazard".

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 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 shown in the Declarations;

whichever is less.

This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.

CG 20 37 04 13

© Insurance Services Office, Inc., 2012

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Fill in the Information required to complete, A Section II Who Is An Insured is, for, However, The insurance afforded to such, B With respect to the insurance, additional following Section III, is added, insureds, If coverage provided to the, Required by the contract or, Available under, the applicable Limits of, Insurance shown in the Declarations, and whichever is less fields with any data which may be requested by the platform.

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