LIQUOR LIABILITY COVERAGE FORMS AVAILABLE ENDORSEMENTS AND THEIR USES

(November 2025)

INTRODUCTION

This listing identifies endorsements available to modify the Insurance Services Office (ISO) Liquor Liability Coverage Forms. It is organized by form number and provides the title along with a brief description of each endorsement's purpose. This list does not include any endorsements, changes, or amendments specific to any states.

NOTE: This article lists but does not otherwise address any of the various ISO Terrorism Endorsements.

Related Articles:

Terrorism and Insurance

Terrorism–Insurance Services Office (ISO) Forms

A list of endorsements compatible with these coverage forms might be helpful.

Related Article: Liquor Liability Coverage Forms Endorsements Checklist

FORM NUMBERING

The ten-digit sequence in ISO forms and endorsements holds a very specific meaning.

CATEGORIES

Endorsements are categorized based on their purpose as follows:

CG 02

Termination and Suspension Endorsements

CG 03

Deductible Endorsements

CG 04

Additional Coverage Endorsements

CG 20

Additional Insured Endorsements

CG 21

Exclusion Endorsements

CG 24

Coverage Modification Endorsements

CG 25

Amendment of Limits Endorsements

CG 28

Miscellaneous Coverage Forms and Endorsements

CG 34 & 99

Miscellaneous Endorsements and Exclusions

TERMINATION AND SUSPENSION ENDORSEMENTS (CG 02)

CG 02 24–Earlier Notice of Cancellation Provided By Us

This endorsement modifies the 30-day cancellation provision in the Common Policy Conditions for reasons other than non-payment of premium, to match the number of days specified in the designated space for any legally allowed reason. It is used to extend the notice period beyond the duration required by state law.

DEDUCTIBLE ENDORSEMENTS (CG 03)

CG 03 05—Deductible Liability Insurance

This endorsement adds a deductible for each claim or common cause. It can be applied to specific locations on the endorsement schedule or to all locations.

ADDITIONAL COVERAGE ENDORSEMENTS (CG 04)

CG 04 24–Coverage for Injury to Leased Workers

This buyback endorsement offers coverage for bodily injury and property damage involving leased workers by modifying the definition of 'employee' to exclude leased workers. However, this revised definition applies only to the bodily injury and property damage coverage within the Section I –Employer’s Liability exclusion.

ADDITIONAL INSURED ENDORSEMENTS (CG 20)

CG 20 01–Primary and Non-Contributory–Other Insurance Condition

When an additional insured has insurance that could cover a loss, the insurance company will not seek contribution if they are also a named insured on another policy. This only applies if a written contract between the additional insured and the named insured specifies this non-contribution.

EXCLUSION ENDORSEMENTS (CG 21)

CG 21 70–Cap on Losses from Certified Acts of Terrorism

When insured losses related to terrorism exceed $100 billion within a calendar year and the insurer has satisfied its deductible under the Terrorism Risk Insurance Act (TRIA), the insurer will not pay any amount beyond the $100 billion threshold. Losses up to this limit will be allocated on a pro-rata basis in accordance with Treasury procedures. Additional definitions are added, and specific terms and limitations are specified.

Related Article: Terrorism and Insurance

CG 21 71–Exclusion of Other Acts of Terrorism Committed Outside the United States; Cap on Losses from Certified Acts of Terrorism

This endorsement excludes injury or damage caused by other acts of terrorism outside the United States, its territories, possessions, and Puerto Rico, but within the coverage territory. Additional definitions are added, and specific terms and limitations are specified.

Related Article:Terrorism and Insurance

CG 21 72 –Nuclear, Biological Or Chemical Terrorism Exclusion (Other Than Certified Acts Of Terrorism); Cap On Losses From Certified Acts Of Terrorism

This endorsement excludes any injury or damage caused by an other act of terrorism that is not a certified act of terrorism involving or resulting from any nuclear, pathogenic, poisonous, biological, or chemical materials. Additional definitions are added, and specific terms and limitations are specified.  

Related Article: Terrorism and Insurance

CG 21 73–Exclusion of Certified Acts of Terrorism

This endorsement excludes any injury or damage caused by a certified act of terrorism. Additional definitions are added, and specific terms and limitations are specified.

Related Article:Terrorism and Insurance

CG 21 74 –Exclusion Of Certified Acts Of Terrorism And Other Nuclear, Biological Or Chemical Acts Of Terrorism

This endorsement excludes any injury or damage caused by a certified act of terrorism or other act of terrorism involving or resulting from any nuclear, pathogenic, poisonous, biological, or chemical materials. Additional definitions are added, and specific terms and limitations are specified.

Related Article: Terrorism and Insurance

CG 21 75–Exclusion of Certified Acts of Terrorism and Other Acts of Terrorism Committed Outside the United States

This endorsement excludes any injury or damage caused by a certified act of terrorism or other act of terrorism committed outside the United States, including its territories, possessions, and Puerto Rico, but within the coverage territory. Additional definitions are added, and specific terms and limitations are specified.

Related Article: Terrorism and Insurance

CG 21 76–Exclusion of Punitive Damages Related to a Certified Act of Terrorism

This endorsement excludes punitive damages awarded for a certified act of terrorism. Additional definitions are added, and specific terms and limitations are specified.

Related Article:Terrorism and Insurance

CG 21 77 –Exception To Terrorism Exclusion For Certified Acts Of Terrorism; Cap On Losses From Certified Acts Of Terrorism

This endorsement excludes certified acts of terrorism or acts meeting specific criteria with losses of $5 million or less. For certified acts of terrorism, the insurer will not pay amounts not covered by the federal Terrorism Risk Insurance Act of 2002 due to liability caps on losses.

Related Article:Terrorism and Insurance

CG 21 78 –Removal Of Terrorism Exclusion; Cap On Losses From Certified Acts Of Terrorism

This endorsement removes any terrorism exclusion. The insurer will not pay any certified acts of terrorism beyond the limits set by the federal Terrorism Risk Insurance Act of 2002, including amendments, where caps on terrorism liability apply to losses.

Related Article:Terrorism and Insurance

CG 21 83 –Exclusion Of Nuclear, Biological Or Chemical Acts Of Terrorism; Cap On Losses From Certified Acts Of Terrorism

This endorsement excludes any injury or damage caused by a certified act of terrorism or other act of terrorism involving or resulting from any nuclear, pathogenic, poisonous, biological, or chemical materials. Additional definitions are added, and specific terms and limitations are specified.

Related Article: Terrorism and Insurance

CG 21 84–Exclusion of Certified Acts of Nuclear, Biological, Chemical, or Radiological Acts of Terrorism; Cap on Losses from Certified Acts of Terrorism

This endorsement excludes any injury or damage from a certified act of terrorism involving nuclear materials, biological or chemical dispersal, or release aimed at distributing such materials. Additional definitions are added, and specific terms and limitations are specified.

Related Article: Terrorism and Insurance

CG 21 87–Conditional Exclusion of Terrorism (Relating to Disposition of Federal Terrorism Risk Insurance Act)

This endorsement updates terrorism coverage when federal programs change. If certain criteria are not met, then previous coverage remains. The insurer excludes damages from terrorism involving nuclear, biological, chemical agents, over $25M property damage, or 50+ deaths/injuries, unless incidents within 72 hours are related. These thresholds decide if terrorism exclusions apply. Additional definitions are added, and specific terms and limitations are specified.

Related Article: Terrorism and Insurance

CG 21 88–Conditional Exclusion of Terrorism Involving Nuclear, Biological, or Chemical Terrorism (Relating to Disposition of Federal Terrorism Risk Insurance Act)

This endorsement applies from the first relevant event or policy start date and replaces previous terrorism endorsements for incidents on or after its effective date unless the insurer makes changes. Terrorism involving nuclear materials, biological or chemical dispersal, or release aimed at distributing such materials is excluded unless otherwise specified. Additional definitions are added, and specific terms and limitations are specified.

Related Article: 310.6 Terrorism and Insurance

CG 21 90–Exclusion of Terrorism

This endorsement excludes injuries or damage caused by terrorism, including incidents involving radioactive, nuclear, biological, or chemical agents, or damages over $25 million or causing death or injury to 50+ people. Multiple related incidents within 72 hours are treated as a single incident. When the exclusion applies, no coverage exists. If terrorism isn't excluded, the coverage still excludes damages or injuries already excluded. Additional definitions are added, and specific terms and limitations are specified.

Related Article:Terrorism and Insurance

CG 21 91–Exclusion of Terrorism Involving Nuclear, Biological, or Chemical Terrorism

This endorsement excludes injury or damage from terrorism, including acts to hinder or defend against it. If terrorism involves radioactive, nuclear, or biological/chemical means to harm, coverage does not apply. It also excludes injuries or damages covered elsewhere if caused by other terrorism. Additional definitions are added, and specific terms and limitations are specified.

Related Article:Terrorism and Insurance

CG 21 93 –Extended Reporting Period For Terrorism Coverage

This endorsement supersedes conflicting provisions once a Conditional Exclusion of Terrorism is active. If an incident occurred before the exclusion's start date but not before November 26, 2002, or a claim for injury or damage from that incident could have been covered if made earlier, and the claim is made within 5 years of the exclusion's start, it is considered made prior to the exclusion. This excludes claims covered by future insurance or if coverage was exhausted. Any injury or damage follows the endorsement's definition.

Related Article:Terrorism and Insurance

COVERAGE MODIFICATION ENDORSEMENTS (CG 24)

CG 24 01–Non-Binding Arbitration

When the insured and the insurance company disagree on a coverage issue, this can be a useful option. If this endorsement is attached, the parties can follow the form’s arbitration procedures to avoid going to court to resolve the dispute. Since the outcome is non-binding, both parties still have the right to ask the courts to decide the dispute after arbitration has occurred.

CG 24 02–Binding Arbitration

When the insured and the insurance company disagree on a coverage issue, this can be a helpful option. If this endorsement is attached, the parties may follow the arbitration steps outlined therein to resolve the dispute. Since the outcome is binding, both parties give up the option to go to court if a dispute has not been satisfactorily resolved.

CG 24 04–Waiver of Transfer of Rights of Recovery Against Others to Us

This endorsement modifies Section IV–Conditions 8. Transfer of Rights of Recovery Against Others to Us. The insurance company waives its rights of recovery against the party listed on the endorsement schedule, but only if the insured had previously waived such rights before a loss. There is NO requirement for the waiver to be in writing.

NOTE: This endorsement can be used, or the insured can waive in writing rights to the same individuals without needing this endorsement. The insured may waive any or all of its rights to recovery from anyone, provided such waivers are in writing and made PRIOR to a loss.

CG 24 06–Liquor Liability–Bring Your Own Alcohol Establishments

This endorsement broadens the liquor liability insuring agreement to cover establishments that do not sell alcohol but allow patrons to bring their own and consume it on the premises.

AMENDMENT OF LIMITS ENDORSEMENTS (CG 25)

CG 25 14–Designated Location(s) Aggregate Limit

This endorsement establishes a separate aggregate limit for each location of the named insured listed on the endorsement schedule.

MISCELLANEOUS COVERAGE FORMS AND ENDORSEMENTS (CG 28)

CG 28 03–Supplemental Extended Reporting Period Endorsement

This endorsement offers an extended reporting period with no time limit. A key feature is the new supplemental aggregate limit for claims first received during the supplemental extended reporting period. Once the premium is paid, the endorsement cannot be canceled. 

CG 28 06–Limitation of Coverage to Insured Premises

This endorsement limits coverage to only the insured premises listed on the endorsement schedule. It also defines the Insured Premises.

MISCELLANEOUS ENDORSEMENTS AND EXCLUSIONS (CG 34 & 99)

CG 34 01–Additional Insured - Owners, Managers Or Lessors Of Premises - Liquor Liability

This endorsement adds the person or entity to the endorsement schedule as an additional insured. It applies only to losses caused by liquor-related injuries on the premises listed on the endorsement schedule that the named insured leases. Coverage is limited to the extent permitted by law. When the endorsement is required by contract, coverage and limits are additionally restricted so they are not broader than what the contract specifies.

CG 34 02–Additional Insured–Grantor of Franchise – Liquor Liability

This endorsement adds the person or entity to the endorsement schedule as an additional insured. However, this only applies to its liquor-related injury liability imposed due to its having granted a franchise to the named insured. Coverage is limited to the extent permitted by law. When the endorsement is required by contract, coverage and limits are further restricted so they do not exceed what the contract specifies.

CG 34 03–Additional Insured–State or Governmental Agency or Subdivision or Political Subdivision–Permits or Authorizations – Liquor Liability

This endorsement amends Who Is an Insured to include the state, political subdivision, governmental agency, or subdivision on the endorsement schedule as an additional insured, but only with respect to a liquor-related injury related to the issued permit or authorization. Coverage is limited to what the law permits. When the endorsement is required by contract, coverage and limits are further restricted so they do not exceed what the contract specifies.

NOTE: This endorsement should not be used to grant additional insured status for services provided for the benefit of a governmental entity.

CG 34 04–Additional Insured–Sponsor(s) – Liquor Liability

This endorsement adds the person or entity on the endorsement schedule as an additional insured but only for its liability as a sponsor of the scheduled event or function. This is only with respect to losses due to liquor-related injury. Coverage is limited to what the law permits. When the endorsement is required by contract, coverage and limits are further restricted so they do not exceed what the contract specifies.

CG 34 36–Automatic Insured Status for Newly Acquired or Formed Limited Liability Companies

Item 3. under Who is Insured is amended to automatically include newly acquired or newly formed limited liability companies on the same basis as other organizations described in that item.

NOTE: Since the limited liability company is a popular business structure, this addition is essential.

CG 34 45–Exclusion - Cross Suits Liability

This endorsement only applies when there are multiple named insureds. Any lawsuit filed by one named insured against another is not covered.

CG 99 09–Premium Audit Noncompliance Charge

This replaces the audit condition with language penalizing the insured if they fail to provide audit information upon request. Since audits occur after the policy ends and may lead to a higher premium, cooperation might be less willing. This endorsement promotes cooperation by imposing financial penalties on insureds who delay or do not provide the requested information. The penalty is a percentage of the estimated premium and is applied after multiple failed attempts for the insured's cooperation.