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Overview

Common mistakes

  1. Incomplete Information: One common mistake is not filling out all required fields. Ensure that the names of additional insured persons or organizations and the locations of covered operations are clearly stated. Missing details can lead to coverage issues later on.

  2. Incorrect Policy Number: Double-check the policy number entered on the form. An incorrect policy number can cause delays in processing and may result in the form being rejected.

  3. Misunderstanding Coverage Limits: Some individuals mistakenly believe that the endorsement will increase their coverage limits. It’s important to remember that the limits of insurance will not be higher than what is specified in the contract or agreement.

  4. Neglecting to Review Exclusions: Failing to pay attention to the exclusions listed in the endorsement can lead to surprises. Understanding what is not covered is as crucial as knowing what is covered.

  5. Not Consulting a Professional: Many people attempt to complete the form without seeking advice. Consulting with an insurance professional can help clarify any uncertainties and ensure the form is filled out correctly.

Similar forms

The CG 20 10 07 04 Liability Endorsement form is designed to extend liability coverage to additional insured parties. Several other documents share similarities with this endorsement, each providing distinct but related functions in liability coverage. Here are four such documents:

  • CG 20 10 11 19 Additional Insured – Owners, Lessees or Contractors – Completed Operations: This endorsement also adds additional insured parties but specifically focuses on liability arising from completed operations rather than ongoing operations. It ensures that the additional insured is covered for claims related to work that has already been finished.
  • CG 20 37 07 04 Additional Insured – Designated Person or Organization: Similar to the CG 20 10 07 04, this endorsement allows for specific individuals or organizations to be named as additional insureds. The key difference lies in the broader coverage it provides, which can include various types of liability beyond just ongoing operations.
  • Florida Mobile Home Bill of Sale Form: For those purchasing a mobile home, the official Mobile Home Bill of Sale documentation provides vital protection and clarity during ownership transfers.
  • CG 20 10 10 19 Additional Insured – Managers or Lessors of Premises: This form extends coverage to property managers or lessors, protecting them against liabilities that may arise from the insured’s activities on the leased premises. Like the CG 20 10 07 04, it emphasizes the relationship between the insured and the additional insured.
  • CG 20 10 01 04 Additional Insured – State or Political Subdivisions: This endorsement allows for state entities or political subdivisions to be named as additional insureds. It is particularly relevant for contractors working on public projects, ensuring that these entities are protected from liability claims related to the contractor’s work.

Dos and Don'ts

When filling out the CG 20 10 07 04 Liability Endorsement form, it is essential to follow certain guidelines to ensure accuracy and compliance. Below is a list of dos and don'ts to consider:

  • Do read the entire endorsement carefully before completing the form.
  • Do provide accurate information for the additional insured person(s) or organization(s) in the designated fields.
  • Do ensure that the location(s) of covered operations are clearly specified.
  • Do check that the insurance coverage aligns with any contractual obligations.
  • Do verify that all required signatures are included before submission.
  • Don't leave any fields blank unless explicitly stated as optional.
  • Don't provide information that is not accurate or truthful.
  • Don't assume that previous endorsements or forms are applicable without reviewing them.
  • Don't forget to keep a copy of the completed form for your records.

Preview - 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

© Insurance Services Office, Inc., 2018

Page 1 of 2

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.

Page 2 of 2

© Insurance Services Office, Inc., 2018

CG 20 10 12 19

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Misconceptions

Misconceptions about the CG 20 10 07 04 Liability Endorsement form can lead to confusion regarding coverage and responsibilities. Here are seven common misconceptions:

  • It provides unlimited coverage. Many believe this endorsement offers unlimited liability coverage. In reality, it does not increase the overall limits of the policy.
  • All parties are automatically covered. Some think that all parties involved in a project are automatically additional insureds. Coverage only extends to those specifically named in the endorsement.
  • It covers all types of injuries. There is a misconception that this endorsement covers all injuries. It specifically addresses "bodily injury," "property damage," and "personal and advertising injury" related to ongoing operations.
  • It applies after project completion. Some assume that coverage continues after project completion. However, coverage ends once all work is finished and the project is put to its intended use.
  • It overrides contractual agreements. People often believe this endorsement provides broader coverage than what is required by contract. In fact, the coverage cannot exceed what is stipulated in the contract.
  • All work-related incidents are covered. There is a belief that any incident related to work is covered. The endorsement only covers incidents arising from ongoing operations for the additional insured.
  • It covers subcontractor actions. Many think that actions by subcontractors are automatically covered. Coverage applies only to the acts or omissions of the named insured and those acting on their behalf.

Understanding these misconceptions can help ensure proper coverage and compliance with contractual obligations.

How to Use Cg 20 10 07 04 Liability Endorsement

To complete the CG 20 10 07 04 Liability Endorsement form, follow these detailed steps to ensure all necessary information is accurately provided. This process is essential for proper documentation and compliance with insurance requirements.

  1. Locate the form titled "CG 20 10 07 04 Liability Endorsement."
  2. In the section labeled "POLICY NUMBER," enter the appropriate policy number for the Commercial General Liability coverage.
  3. Identify the "Name Of Additional Insured Person(s) Or Organization(s)" section. Fill in the names of the individuals or organizations that need to be added as additional insureds.
  4. Proceed to the "Location(s) Of Covered Operations" section. Provide the specific locations where the covered operations will take place.
  5. Review the information entered for accuracy and completeness.
  6. Sign and date the form where indicated, if required.
  7. Submit the completed form to the appropriate insurance company or agent for processing.
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