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Blank Cg 20 10 07 04 Liability Endorsement PDF Form

The CG 20 10 07 04 Liability Endorsement form is an important document that modifies your Commercial General Liability policy. It adds specific individuals or organizations as additional insureds, protecting them from liability related to bodily injury, property damage, or personal and advertising injury arising from your operations. Understanding this endorsement is crucial for ensuring proper coverage, so fill out the form by clicking the button below.

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The CG 20 10 07 04 Liability Endorsement form plays a crucial role in commercial general liability insurance by extending coverage to additional insured parties. This endorsement specifically addresses the needs of owners, lessees, or contractors who may require protection against liabilities arising from ongoing operations. It modifies the original insurance policy to include specified individuals or organizations as additional insureds, ensuring they are covered for bodily injury, property damage, or personal and advertising injury linked to the actions of the insured or their representatives. However, it is important to note that this coverage is limited to the extent permitted by law and must align with any contractual obligations. The form also outlines specific exclusions, such as liabilities that arise after the completion of work or when the project has been put to its intended use. Additionally, it clarifies that the coverage limits for additional insureds will not exceed those stipulated in the contract, nor will it increase the overall policy limits. Understanding these key aspects is essential for both policyholders and additional insureds to ensure adequate protection and compliance with contractual requirements.

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

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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.

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CG 20 10 12 19

Document Breakdown

Fact Name	Description
Policy Number	CG 20 10 12 19 is the specific policy number associated with this endorsement.
Purpose	This endorsement adds additional insureds to a Commercial General Liability policy.
Coverage Type	It covers liability for bodily injury, property damage, or personal and advertising injury.
Conditions for Coverage	Coverage applies only if the injury or damage arises from your acts or omissions during ongoing operations.
Limitations	The insurance for additional insureds is limited to what is required by contract or the policy's limits.
Exclusions	Bodily injury or property damage occurring after project completion is not covered.
Additional Insureds	Specific persons or organizations must be listed in the schedule for coverage to apply.
State-Specific Considerations	Governing laws may vary by state; it's important to consult local regulations.
Endorsement Effect	This endorsement modifies the original policy and should be read carefully for understanding.

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Misconceptions

There are several misconceptions regarding the CG 20 10 07 04 Liability Endorsement form. Understanding these can help clarify its purpose and limitations.

It automatically provides coverage for all parties involved. This endorsement only covers the specific additional insureds listed in the schedule. If a party is not named, they do not receive coverage.
Coverage is unlimited. The endorsement does not increase the overall limits of the insurance policy. It provides coverage only up to the limits specified in the original policy or as required by contract.
It covers all types of injuries and damages. The coverage is limited to "bodily injury," "property damage," or "personal and advertising injury" that arises from the insured's operations for the additional insureds.
All work is covered regardless of completion status. Coverage does not apply if the work has been completed or if the damaged property has been put to its intended use.
It applies to all contractual obligations. The coverage provided is only as broad as what is required by the contract. If the contract specifies limited coverage, that is all that will be provided.
Additional insureds have the same rights as the primary insured. The additional insureds do not have the same level of coverage as the primary insured. Their coverage is more limited and specific to certain circumstances.
This endorsement is the same as a primary insurance policy. The endorsement modifies an existing policy and does not serve as a standalone insurance policy. It supplements the original coverage.

Clarifying these misconceptions can help ensure that all parties understand their rights and responsibilities under the endorsement. It is essential to read the endorsement carefully and consult with an insurance professional if there are any questions.

Documents used along the form

When dealing with the CG 20 10 07 04 Liability Endorsement form, it's essential to understand that it often works in conjunction with other important documents. Each of these forms plays a vital role in ensuring that all parties involved are adequately protected and that the terms of the insurance coverage are clear. Here are a few key documents that you may encounter alongside the CG 20 10 07 04:

Commercial General Liability (CGL) Policy: This is the primary insurance policy that provides coverage for bodily injury, property damage, and personal injury. The CG 20 10 07 04 endorsement modifies this policy to add specific additional insured parties, ensuring they receive the same level of protection as the policyholder in certain circumstances.
Certificate of Insurance (COI): This document serves as proof of insurance coverage. It outlines the types of coverage, limits, and the effective dates of the policy. A COI is often requested by clients or contractors to confirm that the necessary insurance is in place before work begins.
Notice to Quit: This crucial document informs tenants of the necessity to rectify lease violations or vacate by a specific date, ensuring fairness in the eviction process. To fill out your form, visit this link: https://txtemplate.com/notice-to-quit-pdf-template.
Contractor Agreement: This is a legal document that outlines the terms and conditions of the working relationship between the parties involved. It typically includes clauses that specify insurance requirements, including the need for additional insured endorsements like the CG 20 10 07 04.
Additional Insured Endorsement Form: While the CG 20 10 07 04 is one type of additional insured endorsement, there are others that may be used depending on the specifics of a project. This form adds parties to the insurance coverage, ensuring they are protected against claims arising from the work performed.

Understanding these documents can help you navigate the complexities of insurance coverage more effectively. Each plays a crucial role in defining responsibilities and protections, ultimately leading to smoother operations and fewer disputes. Always ensure that you have the right forms in place to safeguard your interests and those of your partners.