ISO COMMERCIAL GENERAL LIABILITY COVERAGE FORMS
AVAILABLE ENDORSEMENTS AND THEIR USES

(April 2008)

ADDITIONAL INSURED ENDORSEMENTS (CG 20)

CG 20 02–Additional Insured–Club Members
This endorsement includes 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 behalf of the named insured.

CG 20 03–Additional Insured–Concessionaires Trading Under Your Name
This endorsement includes any concessionaire indicated on the endorsement schedule as an insured but only with respect to its liability as a concessionaire trading under the named insured's name.

CG 20 04–Additional Insured–Condominium Unit Owners
This endorsement includes as an insured each individual unit owner of the insured condominium. This is limited to the liability arising out of the ownership, maintenance or repair of the common areas of the premises.

CG 20 05–Additional Insured–Controlling Interest
This endorsement includes as an insured the party designated on the endorsement schedule but only for liability arising out of its financial control of the named insured or for premises it owns, maintains or controls while leased to or occupied by the named insured.

CG 20 07–Additional Insured–Engineers, Architects Or Surveyors
This endorsement includes any engineer, architect or surveyor engaged by the named insured as an additional insured but only with respect to losses caused by the named insured's acts or omissions or the acts or omissions of those acting on behalf of the named insured related to its premises or the performance of its continuing operations.
Note: This endorsement does not include professional liability coverage.

CG 20 08–Additional Insured–Users Of Golfmobiles
This endorsement includes as an insured any party using or legally responsible for the use of golfmobiles for liability arising from the use of the golfmobiles.

CG 20 09–Additional Insured–Owners, Lessees Or Contractors–Scheduled Person Or Organization (For Use When Contractual Liability Coverage Is Not Provided To You In This Policy)
This endorsement includes as an insured the party indicated on the endorsement schedule but only with respect to its liability arising out of the named insured's continuing operations performed for any additional insured at designated locations. This includes acts or omissions of any additional insured in conjunction with its general supervision of such operations. It removes eight exclusions in the CGL coverage form and adds four exclusions specific to this endorsement.
Note: This form was withdrawn from use with the introduction of the 12 04 edition of the CGL coverage form.

CG 20 10–Additional Insured–Owners, Lessees Or Contractors–Scheduled Person Or Organization
This endorsement includes as an additional insured the party indicated on the endorsement schedule but only for losses caused by the named insured's acts or omissions, including the acts or omissions of others acting on behalf of the named insured, in performing continuing operations for the additional insured at designated locations.
Note: CG 20 37–Additional Insured–Owners, Lessees Or Contractors–Completed Operations can be used if the additional insured requires completed operations coverage.

CG 20 11–Additional Insured–Managers Or Lessors Of Premises
This endorsement includes as an insured the party indicated on the endorsement schedule but only with respect to losses due to the ownership, maintenance or use of the part of the premises leased to the named insured and listed on the endorsement schedule.

CG 20 12–Additional Insured–State Or Political Subdivisions–Permits
This endorsement includes as an insured the state or political subdivision listed on the endorsement schedule but only with respect to operations performed by the named insured or by others on behalf of the named insured for which the subdivision has issued a permit. Coverage does not apply to injury or damage arising out of operations performed for the state or municipality or included in the products/completed operations hazard.

CG 20 13–Additional Insured–State Or Political Subdivision–Permits Relating To Premises
This endorsement includes as an insured the state or political subdivision listed on the endorsement schedule but only with respect to the hazards listed in the endorsement and for which the state or political subdivision has issued a permit in conjunction with premises owned, rented or controlled by the named insured.

CG 20 14–Additional Insured–Users Of Teams, Draft Or Saddle Animals
This endorsement extends coverage to, and includes as an insured, any party using or legally responsible for using draft or saddle animals, including vehicles used with them, with the insured's permission.

CG 20 15–Additional Insured–Vendors
This endorsement includes as an additional insured any party listed as a vendor on the endorsement schedule but only with respect to bodily injury or property damage arising out of the named insured's products listed on the schedule sold or distributed in the normal course of the vendor's business. This coverage is subject to a number of additional exclusions. Please refer to PF&M Section 270.6-13, CG 20 15–Additional Insured–Vendors, for an analysis of this endorsement.

CG 20 17–Additional Insured–Townhouse Associations
This endorsement includes as an insured each individual townhouse owner but only with respect to liability as a member of the townhouse association and not for any liability arising out of the named insured's ownership, maintenance, use or repair of the real property to which the owner has title.

CG 20 18–Additional Insured–Mortgagee, Assignee Or Receiver
This endorsement includes as an insured the party listed on the endorsement schedule but only with respect to its liability as a mortgagee, assignee or receiver and arising out of the named insured's ownership, maintenance or use of the designated premises.

CG 20 20–Additional Insured–Charitable Institutions
This endorsement includes as an additional insured the named insured's members but only with respect to their liability for the named insured's activities or activities they perform on behalf of the named insured. This includes trustees or members of the named insured's board of governors but only while acting within the scope of their duties on behalf of the named insured.

CG 20 22–Additional Insured–Church Members And Officers
This endorsement includes church members, trustees, officials, members of the board of governors and clergy as additional insureds on policies covering churches. It also states that church members and volunteers are eligible for medical payments coverage if they are not paid a fee, salary or other compensation.

CG 20 23–Additional Insured–Executors, Administrators, Trustees Or Beneficiaries
This endorsement includes as an insured any executor, administrator, trustee or beneficiary of the named insured's estate or living trust while acting within the scope of their duties as such.

CG 20 24–Additional Insured–Owners Or Other Interests From Whom Land Has Been Leased
This endorsement includes as an insured the party listed on the endorsement schedule but only with respect to liability arising out of the ownership, maintenance or use of the part of the designated premises or land leased to the named insured.

CG 20 25–Additional Insured–Elective Or Appointive Executive Officers Of Public Corporations
This endorsement includes as an insured any elective or appointive officer or member of any board or commission of the named insured.

CG 20 26–Additional Insured–Designated Person Or Organization
This endorsement includes as an additional insured the party listed on the endorsement schedule but only for losses caused by the named insured's acts or omissions or the acts or omissions of others acting on behalf of the named insured.

CG 20 27–Additional Insured–Co-Owner Of Insured Premises
This endorsement includes as an insured the party listed on the endorsement schedule but only for liability as a co-owner of the premises shown.

CG 20 28–Additional Insured–Lessor Of Leased Equipment
This endorsement includes as an additional insured the party listed on the endorsement schedule but only for losses caused by the named insured's maintenance, operation or use of equipment leased by that party to the named insured.

CG 20 29–Additional Insured–Grantor Of Franchise
This endorsement includes as an insured the party listed on the endorsement schedule but only with respect to its liability as a grantor of a franchise to the named insured.

CG 20 30–Oil Or Gas Operations–Nonoperating, Working Interests
This endorsement includes as an insured any owner, co-owner, party of a joint venture, mining partner or limited liability company with a non-operating working interest in oil or gas leases operated by the named insured. Insurance applies only with respect to liability due to out of such non-operating working interests.

CG 20 31–Additional Insured–Engineers, Architects Or Surveyors
This endorsement is used with the Owners And Contractors Protective Liability Coverage Form to add an engineer, architect or surveyor engaged by the named insured as an additional insured. Insurance applies to losses caused by the named insured's acts or omissions or the acts or omissions of those acting on behalf of the named insured in connection with the named insured's premises or in the performance of its ongoing operations.
Note: This endorsement does not include professional liability coverage.

CG 20 32–Additional Insured–Engineers, Architects Or Surveyors Not Engaged By The Named Insured
This endorsement includes as an additional insured the engineer, architect or surveyor listed on the endorsement schedule but only for losses caused by the named insured's acts or omissions or the acts or omissions of others acting on behalf of the named insured.
Note: This endorsement does not include professional liability coverage.

CG 20 33–Additional Insured–Owners, Lessees Or Contractors–Automatic Status When Required In Construction Agreement With You
This endorsement includes as an additional insured any party for whom the named insured performs operations when both parties agree in a written contract or agreement to include that party as an additional insured on the named insured's coverage form. This is only with respect to losses caused by the named insured's acts or omissions or the acts or omissions of others acting on behalf of the named insured in performing continuing operations for the additional insured.

CG 20 34–Additional Insured–Lessor Of Leased Equipment–Automatic Status When Required In Lease Agreement With You
This endorsement includes as an additional insured any party from whom the named insured leases equipment when both parties agree in a written contract or agreement to include that party as an additional insured on the named insured's coverage form. This is only with respect to liability for bodily injury, property damage or personal and advertising injury caused by the named insured's maintenance, operation or use of equipment it leases from that party.

CG 20 35––Additional Insured–Grantor Of Licenses–Automatic Status When Required By Licensor
This endorsement includes as an insured any party that grants a license to the named insured in cases where the named insured and the party agree in a written contract or agreement to include the party as an additional insured on the named insured's coverage form. This is only with respect to its liability as a grantor of a license to the named insured.

CG 20 36––Additional Insured–Grantor Of Licenses
This endorsement includes as an insured the party listed on the endorsement schedule but only with respect to its liability as grantor of a license to the named insured.

CG 20 37–Additional Insured–Owners, Lessees Or Contractors–Completed Operations
This endorsement includes as an additional insured the party listed on the endorsement schedule but only for losses caused by the named insured's work at the designated location performed for the additional insured and included in the products/completed operations hazard.