Volume 163

JULY 2020

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PF&M ANALYSIS:

ADDITIONAL INSURED ENDORSEMENTS (CG 20)

CG 20 01–Primary and Non-Contributory–Other Insurance Condition (12 19 change)

When an additional insured carries insurance that might apply to a loss, this insurance company will not ask for contribution when that additional insured is a named insured on the other insurance. This applies only when a contract between the additional insured and the named insured requires such non-contribution.

CG 20 02–Additional Insured–Club Members

This endorsement adds members of a club as insureds but only with respect to their liability for the named insured's activities or for activities they engage in on the named insured's behalf.

CG 20 03–Additional Insured–Concessionaires Trading Under Your Name (12 19 changes)

This endorsement adds any concessionaire on the endorsement schedule as an additional insured but only with respect to its liability as a concessionaire that trades under the named insured's name. Coverage is limited to what the law permits. When the endorsement is required by contract, coverage and limits are further limited to not being broader than what that contract requires.

CG 20 04–Additional Insured–Condominium Unit Owners

This endorsement adds each individual unit owner of the insured condominium as an insured. This is limited to liability that arises out of ownership, maintenance, or repair of the premises' common areas.

CG 20 05–Additional Insured–Controlling Interest

This endorsement adds the party on the endorsement schedule as an additional insured. This is only for liability that arises out of its financial control of the named insured or for premises it owns, maintains, or controls that the named insured leases or occupies. Coverage is limited to what the law permits. When the endorsement is required by contract, coverage and limits are further limited to not being broader than what that contract requires.

CG 20 07–Additional Insured–Engineers, Architects, or Surveyors (12 19 changes)

This endorsement adds any engineer, architect, or surveyor that the named insured hires as an additional insured. This is limited to only losses caused by the named insured's acts or omissions or acts or omissions of parties that act on its behalf related to its premises or performing its continuing operations. It does not include professional liability coverage or allegations of negligence in the hiring, training, or monitoring of those who provide professional services. Coverage is limited to what the law permits. When the endorsement is required by contract, coverage and limits are further limited to not being broader than what that contract requires.

CG 20 08–Additional Insured–Users of Golfmobiles (04 13 changes)

This endorsement includes as an additional insured any party that uses or is legally responsible for using golfmobiles. The party is an additional insured only for liability that arises from using the golfmobile.  

CG 20 10–Additional Insured–Owners, Lessees, or Contractors–Scheduled Person or Organization (12 19 changes)

This endorsement adds the person or entity on the endorsement schedule as an additional insured. This is limited to losses caused by the named insured's acts or omissions and acts or omissions of others that act on its behalf in performing continuing operations at designated locations. Coverage is limited to what the law permits. When the endorsement is required by contract, coverage and limits are further limited to not being broader than what that contract requires.

Note: CG 20 37–Additional Insured–Owners, Lessees, or Contractors–Completed Operations can be used if the additional insured requires completed operations coverage.