Published industry exampleUnder reviewcommercial linescommercial general liability, contractual risk transfer, additional insured

Reading CG 20 10, CG 20 37 and CG 20 01 to see why one contract sentence usually asks for three separate endorsements

Last reviewed: September 1, 2026
Author: Aaron Bollinger
Reviewer: Brian Bollinger
Sources: 5 records

Published industry example. This walkthrough is built only on published ISO endorsement forms and the ISO Commercial General Liability coverage form, all read on 2026-08-31. The contract sentence is a stand-in used to organize those forms. No real contract, certificate, policy, premium, or placement is described, and no insurer is said to have agreed to anything.

Built from five published industry forms read on 2026-08-31: the ISO Commercial General Liability coverage form CG 00 01 04 13, the 04 13 and 12 19 editions of additional insured endorsement CG 20 10, the 12 19 edition of additional insured endorsement CG 20 37, and endorsement CG 20 01 Primary And Noncontributory - Other Insurance Condition. No real client, contract, certificate, application, policy, premium, quote, claim outcome, or placement outcome is described, and no carrier appetite is asserted. The contract sentence in the scenario is a stand-in used to organize the published forms.

What happened

Assume as the premise of this walkthrough that a written agreement contains one common sentence: the other party is to be named as an additional insured, on a primary and noncontributory basis, for both ongoing and completed operations. Nothing here decides what any particular contract requires or what any policy provides.

Read against the published forms, that single sentence points at three separate endorsements rather than one. CG 20 10 amends Section II Who Is An Insured to include the person or organization shown in its Schedule, and its Schedule has two columns, Name Of Additional Insured Person(s) Or Organization(s) and Location(s) Of Covered Operations [1]. Its Paragraph B adds exclusions stating that the insurance does not apply to bodily injury or property damage occurring after all work at the location of the covered operations has been completed [1][2]. CG 20 37 is the form titled Additional Insured - Owners, Lessees Or Contractors - Completed Operations, and its Schedule columns are Name Of Additional Insured Person(s) Or Organization(s) and Location And Description Of Completed Operations [3]. Primary and noncontributory is a third document: CG 20 01 is titled Primary And Noncontributory - Other Insurance Condition, it adds language to the Other Insurance Condition and supersedes any provision to the contrary, and it is a separate endorsement from the additional insured endorsements CG 20 10 and CG 20 37 [4].

What information mattered

CG 20 10 amends Who Is An Insured to include the party shown in its Schedule, and the Schedule identifies the location of covered operations rather than the contract [1].
CG 20 10 Paragraph B excludes bodily injury or property damage occurring after all work at the location of the covered operations has been completed, which is what makes it an ongoing operations form [1][2].
CG 20 37 is titled Completed Operations and its Schedule asks for the location and description of completed operations, so the two forms are addressed to different periods [3].
CG 20 01 is a separate endorsement from CG 20 10 and CG 20 37, and it is what adds the primary and noncontributory language to the Other Insurance Condition [4].
The CG 20 01 language is conditional on its own terms: it states that this insurance is primary to and will not seek contribution from other insurance available to an additional insured provided the stated conditions are met [4].
Both additional insured forms state that the insurance afforded to the additional insured only applies to the extent permitted by law [1][3].
Both cap what is payable: where coverage is required by a contract, the most the insurer will pay on behalf of the additional insured is the amount of insurance required by that contract or the amount available under the policy limits, whichever is less [1][3].
Nothing in the CGL contractual liability exclusion or its insured contract exception amends Who Is An Insured or confers additional insured status, so a contract obligation and an endorsement are different things [5].

The insurance question

A contract asks to be named as an additional insured on a primary and noncontributory basis for ongoing and completed operations. What do the published forms show that sentence is actually asking for?

The reasoning path

Start with what an additional insured endorsement does mechanically, because the contract language does not do it. CG 20 10 states that Section II Who Is An Insured is amended to include the person or organization shown in its Schedule [1]. That amendment is the grant. A promise in an agreement is a promise between the parties to the agreement; the published CGL form states that nothing in the contractual liability exclusion or its insured contract exception amends Who Is An Insured or confers additional insured status [5]. So the contract sentence and the endorsement are two separate things, and only one of them is on the policy.

Next, the period. CG 20 10 Paragraph B adds exclusions for bodily injury or property damage occurring after all work at the location of the covered operations has been completed [1][2]. CG 20 37 is the form ISO titles Completed Operations, and its Schedule asks for the location and description of completed operations rather than of covered operations [3]. Reading the two Schedules side by side is the clearest way to see that they are addressed to different periods, which is why a contract asking for both is asking for both forms.

Third, primary and noncontributory. That phrase is not in either additional insured endorsement. It arrives through CG 20 01, which is titled Primary And Noncontributory - Other Insurance Condition, adds language to the Other Insurance Condition and supersedes any provision to the contrary, and which the form itself distinguishes from CG 20 10 and CG 20 37 [4]. Its operative language is also conditional on its own face: it states that this insurance is primary to and will not seek contribution from any other insurance available to an additional insured under the policy provided that the stated conditions are met [4]. So the words in a contract and the words in the endorsement are not interchangeable, and reading the endorsement is the only way to see which conditions attach.

Fourth, the limit. Both additional insured forms cap what is payable on behalf of the additional insured at the amount of insurance required by the contract or the amount available under the policy limits, whichever is less [1][3]. A contract that requires a higher limit than the policy carries does not raise the policy; the form says the lesser figure governs what is paid on behalf of that additional insured.

Fifth, the law. Both forms state that the insurance afforded to the additional insured only applies to the extent permitted by law [1][3]. What that proviso does in a given state, and what a given state permits, is a legal question and is not read here.

The practical consequence is about evidence rather than about coverage. Because the grant lives in named endorsements with their own Schedules, periods, caps and provisos, the document that shows whether the contract sentence has been satisfied is the endorsement set attached to the policy, by form number and edition date, together with the Schedules as completed. Nothing read here says what any particular policy contains, and nothing read here interprets any contract.

What was decided, and by whom

No authority decided this. It is illustrative only. The form mechanics come from published ISO endorsement forms and the published ISO Commercial General Liability coverage form, read on 2026-08-31. Nothing here reflects a decision about any specific contract, certificate, policy, or claim, and nothing here states that any insurer has agreed to issue any endorsement.

What cannot be generalized from this

Endorsement editions differ, and the differences matter. The 04 13 and 12 19 editions of CG 20 10 were both read here and differ in their limits reference wording [2][1]. Read the edition actually attached to the policy.
Many insurers use proprietary or blanket additional insured endorsements rather than these ISO forms. None was read here, and nothing in this walkthrough describes what a proprietary form does.
This does not interpret any contract. What a particular clause requires of whom, and what happens if it is not met, is a legal question for a lawyer and not something a form reading answers.
This is not a coverage determination. Whether any particular claim is covered for any particular additional insured is decided by the insurer under the policy and endorsements actually issued.
The extent permitted by law proviso in both forms turns on state law that was not read here, so nothing is said about how it operates in any jurisdiction.
No certificate of insurance was read for this walkthrough, and nothing here states what a certificate does or does not prove as a matter of law.

Source ledger

5 sources. Every citation number above resolves to a record below. Nothing here sits behind an account.

[1]
ISO form CG 20 10, edition 12 19, Additional Insured - Owners, Lessees Or Contractors - Scheduled Person Or Organization(opens the original record on Insurance Services Office, Inc. (form text), posted by the New York State Office of General Services)
Insurance Services Office, Inc. (form text), posted by the New York State Office of General ServicesStandards bodyPrimaryJurisdiction n/aLast checked August 31, 2026Updates: ISO revises commercial general liability endorsement editions periodically; a later edition may supersede the 12 19 edition.ID iso-cg-20-10-12-19
What this source supports (6)
The form carries the designation CG 20 10 12 19, modifies insurance provided under the Commercial General Liability Coverage Part, and carries the footer 'Insurance Services Office, Inc., 2018'.
Paragraph A states that 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 your acts or omissions or 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.
Paragraph A adds two provisos: the insurance afforded to such additional insured 'only applies to the extent permitted by law'; and if coverage provided to the additional insured is required by a contract or agreement, the insurance afforded 'will not be broader than that which you are required by the contract or agreement to provide for such additional insured.'
Paragraph B adds exclusions stating that 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.
Paragraph C provides that where coverage to the additional insured is required by a contract or agreement, the most the insurer will pay on behalf of the additional insured is the amount of insurance required by the contract or agreement, or available under the applicable limits of insurance, whichever is less, and that the endorsement shall not increase the applicable limits of insurance.
The Schedule has two columns: 'Name Of Additional Insured Person(s) Or Organization(s)' and 'Location(s) Of Covered Operations'.
Downloaded 2026-08-31; the URL returns a PDF, converted with pdftotext -layout and read in full (two pages). This is a clean, unaltered reproduction of the ISO form; the posting agency is New York State OGS, not ISO. The edition designation gives month and year (12 19) but no day, so publishedDate is left unknown rather than asserting a day the form does not state. In the extracted text the form's section dash renders as an en dash; it is written here as an ASCII hyphen.
Active
[2]
ISO form CG 20 10, edition 04 13, Additional Insured - Owners, Lessees Or Contractors - Scheduled Person Or Organization(opens the original record on Insurance Services Office, Inc. (form text), posted by the Independent Insurance Agents of Texas)
Insurance Services Office, Inc. (form text), posted by the Independent Insurance Agents of TexasStandards bodyPrimaryJurisdiction n/aLast checked August 31, 2026Updates: ISO revises commercial general liability endorsement editions periodically; the 12 19 edition is later than this one.ID iso-cg-20-10-04-13
What this source supports (7)
The form carries the designation CG 20 10 04 13 and the footer 'Insurance Services Office, Inc., 2012'.
The 04 13 edition already contains both Paragraph A provisos found in the 12 19 edition: that the insurance afforded to such additional insured 'only applies to the extent permitted by law', and that where coverage is required by a contract or agreement the insurance 'will not be broader than that which you are required by the contract or agreement to provide for such additional insured.'
The 04 13 edition contains the same two Paragraph B post-completion exclusions and the same Paragraph C lesser-of cap structure as the 12 19 edition, with a different limits reference: 04 13 reads 'Available under the applicable Limits of Insurance shown in the Declarations' and 'This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.'
CG 20 10 04 13 states that Section II Who Is An Insured is amended to include as an additional insured the person or organization shown in its Schedule, but only with respect to liability for bodily injury, property damage or personal and advertising injury caused, in whole or in part, by the named insured's acts or omissions or the acts or omissions of those acting on the named insured's behalf, in the performance of the named insured's ongoing operations for the additional insured at the location designated in the Schedule.
The endorsement states that the insurance afforded to such additional insured only applies to the extent permitted by law, and that if coverage provided to the additional insured is required by a contract or agreement, the insurance afforded will not be broader than that which the named insured is required by the contract or agreement to provide.
The endorsement adds exclusions applicable to the additional insured for bodily injury or property damage occurring after all work on the project at the location of the covered operations has been completed, or after that portion of the named insured's 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.
The endorsement adds to Section III Limits Of Insurance that where coverage provided to the additional insured is required by a contract or agreement, the most the insurer will pay on behalf of the additional insured is the amount of insurance required by the contract or agreement, or the amount available under the applicable Limits of Insurance shown in the Declarations, whichever is less, and that the endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.
Downloaded 2026-08-31; the URL returns a PDF, converted with pdftotext -layout and read in full (two pages). Clean, unaltered reproduction. The posting organization is a state agents trade association, not ISO. Cited only to support the edition-to-edition comparison in the variability section; the edition designation gives month and year only, so publishedDate is left unknown. Published: 2013-04
Active
[3]
ISO form CG 20 37, edition 12 19, Additional Insured - Owners, Lessees Or Contractors - Completed Operations(opens the original record on Insurance Services Office, Inc. (form text), posted by the New York State Office of General Services)
Insurance Services Office, Inc. (form text), posted by the New York State Office of General ServicesStandards bodyPrimaryJurisdiction n/aLast checked August 31, 2026Updates: ISO revises commercial general liability endorsement editions periodically; a later edition may supersede the 12 19 edition.ID iso-cg-20-37-12-19
What this source supports (5)
The form carries the designation CG 20 37 12 19, is titled 'Additional Insured - Owners, Lessees Or Contractors - Completed Operations', modifies insurance provided under both the Commercial General Liability Coverage Part and the Products/Completed Operations Liability Coverage Part, and carries the footer 'Insurance Services Office, Inc., 2018'.
Paragraph A states that 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' or 'property damage' caused, in whole or in part, by 'your work' at the location designated and described in the Schedule of the endorsement performed for that additional insured and included in the 'products-completed operations hazard'.
Paragraph A adds two provisos: the insurance afforded to such additional insured 'only applies to the extent permitted by law'; and if coverage provided to the additional insured is required by a contract or agreement, the insurance afforded 'will not be broader than that which you are required by the contract or agreement to provide for such additional insured.'
Paragraph B provides that where coverage to the additional insured is required by a contract or agreement, the most the insurer will pay on behalf of the additional insured is the amount of insurance required by the contract or agreement, or available under the applicable limits of insurance, whichever is less, and that the endorsement shall not increase the applicable limits of insurance.
The Schedule has two columns: 'Name Of Additional Insured Person(s) Or Organization(s)' and 'Location And Description Of Completed Operations'.
Downloaded 2026-08-31; the URL returns a one-page PDF, converted with pdftotext -layout and read in full. Clean, unaltered reproduction; posted by New York State OGS, not by ISO. The edition designation gives month and year only, so publishedDate is left unknown. A prior draft listed a claim that the two grants are distinct; that is an inference drawn by comparing this form with CG 20 10 and is not text printed on either form, so it has been removed from this source's claims.
Active
[4]
ISO form CG 20 01, edition 04 13, Primary And Noncontributory - Other Insurance Condition(opens the original record on Insurance Services Office, Inc. (form text), posted by the Independent Insurance Agents of Texas)
Insurance Services Office, Inc. (form text), posted by the Independent Insurance Agents of TexasStandards bodyPrimaryJurisdiction n/aLast checked August 31, 2026Updates: ISO revises commercial general liability endorsement editions periodically; a later edition may supersede the 04 13 edition.ID iso-cg-20-01-04-13
What this source supports (6)
The form carries the designation CG 20 01 04 13, is titled 'Primary And Noncontributory - Other Insurance Condition', modifies insurance provided under the Commercial General Liability Coverage Part and the Products/Completed Operations Liability Coverage Part, and carries the footer 'Insurance Services Office, Inc., 2012'.
The form states that the following is added to the Other Insurance Condition 'and supersedes any provision to the contrary'.
The added language reads: 'This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: (1) The additional insured is a Named Insured under such other insurance; and (2) You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured.'
CG 20 01 04 13 is a separate endorsement from the additional insured endorsements CG 20 10 and CG 20 37.
CG 20 01 04 13 is titled Primary And Noncontributory - Other Insurance Condition and modifies the Commercial General Liability Coverage Part and the Products/Completed Operations Liability Coverage Part.
The endorsement adds to the Other Insurance Condition, and supersedes any provision to the contrary, that this insurance is primary to and will not seek contribution from any other insurance available to an additional insured under the policy, provided that the additional insured is a Named Insured under such other insurance and the named insured has agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured.
Downloaded 2026-08-31; the URL returns a one-page PDF, converted with pdftotext -layout and read in full. Clean, unaltered reproduction of the ISO form; the posting organization is a state agents trade association, not ISO. This replaces an earlier draft citation to a City of Hayward sample copy of the same form, which was a municipal sample rather than a clean form reproduction and which had been used to support a generalization about California public agencies that a single city sample cannot carry. Published: 2013-04
Active
[5]
Commercial General Liability Coverage Form CG 00 01 04 13 (ISO)(opens the original record on Insurance Services Office, Inc. (form text); published as a downloadable coverage form specimen by Berxi (Berkshire Hathaway Specialty Insurance))
Insurance Services Office, Inc. (form text); published as a downloadable coverage form specimen by Berxi (Berkshire Hathaway Specialty Insurance)Standards bodyPrimaryJurisdiction USLast checked August 31, 2026Updates: ISO revises the CGL coverage form periodically; edition dates and state-specific variants differ, and carriers may use their own non-ISO forms.ID iso-cg-00-01-04-13
What this source supports (37)
In CG 00 01 04 13, the Coverage A insuring agreement states that the insurer will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage to which the insurance applies, and that the insurer will have the right and duty to defend the insured against any suit seeking those damages.
The form states that the insurer will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which the insurance does not apply.
The form states that the insurer's right and duty to defend ends when it has used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C.
Coverage A applies to bodily injury and property damage only if the injury or damage is caused by an occurrence that takes place in the coverage territory and occurs during the policy period, subject to the form's prior-knowledge provisions.
The form defines occurrence as an accident, including continuous or repeated exposure to substantially the same general harmful conditions.
Supplementary Payments under Coverages A and B include all expenses the insurer incurs, and the form states that these payments will not reduce the limits of insurance.
Section III Limits Of Insurance sets a General Aggregate Limit, a Products-Completed Operations Aggregate Limit, a Personal And Advertising Injury Limit, an Each Occurrence Limit, a Damage To Premises Rented To You Limit, and a Medical Expense Limit.
The General Aggregate Limit is the most the insurer will pay for the sum of medical expenses under Coverage C, damages under Coverage A other than damages included in the products-completed operations hazard, and damages under Coverage B.
The Products-Completed Operations Aggregate Limit is the most the insurer will pay under Coverage A for damages because of bodily injury and property damage included in the products-completed operations hazard.
The Each Occurrence Limit is the most the insurer will pay for the sum of damages under Coverage A and medical expenses under Coverage C because of all bodily injury and property damage arising out of any one occurrence.
The Damage To Premises Rented To You Limit, subject to the Each Occurrence Limit, is the most the insurer will pay under Coverage A for damages because of property damage to any one premises while rented to the insured, or in the case of damage by fire, while rented to or temporarily occupied by the insured with permission of the owner.
The Medical Expense Limit, subject to the Each Occurrence Limit, is the most the insurer will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person.
The form states that the Limits of Insurance of the Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations.
The Coverage A exclusions in CG 00 01 04 13 are lettered a. through q.: Expected Or Intended Injury; Contractual Liability; Liquor Liability; Workers' Compensation And Similar Laws; Employer's Liability; Pollution; Aircraft, Auto Or Watercraft; Mobile Equipment; War; Damage To Property; Damage To Your Product; Damage To Your Work; Damage To Impaired Property Or Property Not Physically Injured; Recall Of Products, Work Or Impaired Property; Personal And Advertising Injury; Electronic Data; and Recording And Distribution Of Material Or Information In Violation Of Law.
The Coverage A list of exclusions in this base form does not include a professional services exclusion.
Exclusion b. Contractual Liability removes bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement, and states that the exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement, or to liability assumed in a contract or agreement that is an insured contract, provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement.
The form defines insured contract to include a contract for a lease of premises with a stated fire-damage carve-out, a sidetrack agreement, an easement or license agreement with a stated railroad exception, an obligation required by ordinance to indemnify a municipality with a stated exception, an elevator maintenance agreement, and that part of any other contract or agreement pertaining to the insured's business under which the insured assumes the tort liability of another party to pay for bodily injury or property damage to a third person or organization.
Nothing in the Contractual Liability exclusion or its insured contract exception amends Section II Who Is An Insured or confers additional insured status.
Coverage A exclusion a. Expected Or Intended Injury states, in the same paragraph, that the exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property.
The insured contract exception in exclusion b. also provides that, solely for the purposes of liability assumed in an insured contract, reasonable attorneys' fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury or property damage, provided liability for that party's defense was also assumed in the same insured contract and the fees and expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which the insurance applies are alleged.
Coverage A exclusion c. Liquor Liability removes bodily injury or property damage for which any insured may be held liable by reason of causing or contributing to the intoxication of any person, the furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol, or any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.
The Liquor Liability exclusion states that it applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, or in providing or failing to provide transportation with respect to any person that may be under the influence of alcohol, if the occurrence involved one of the three listed grounds.
The Liquor Liability exclusion closes with a limiting clause stating that the exclusion applies only if the named insured is in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages, and that permitting a person to bring alcoholic beverages on the named insured's premises for consumption on those premises, whether or not a fee is charged or a license is required for that activity, is not by itself considered the business of selling, serving or furnishing alcoholic beverages.
Coverage A exclusion e. Employer's Liability reaches bodily injury to an employee of the insured arising out of and in the course of employment by the insured or of performing duties related to the conduct of the insured's business, and to that employee's spouse, child, parent, brother or sister as a consequence, and applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else. The form then states that the exclusion does not apply to liability assumed by the insured under an insured contract.
Coverage A exclusion f. Pollution excludes bodily injury or property damage arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at or from premises the insured owns, occupies, rents or borrows, and at or from premises where the insured or its contractors are performing operations if the pollutants are brought on in connection with those operations, subject to stated subparagraph exceptions.
One stated exception to the pollution exclusion is bodily injury sustained within a building and caused by smoke, fumes, vapor or soot produced by or originating from equipment used to heat, cool or dehumidify the building.
Exclusion f.(2) also excludes loss, cost or expense arising out of a request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize pollutants, or a claim or suit by or on behalf of a governmental authority for such damages.
Exclusion f.(2) closes with a stated exception providing that the paragraph does not apply to liability for damages because of property damage that the insured would have in the absence of such request, demand, order or statutory or regulatory requirement, or of such claim or suit by or on behalf of a governmental authority.
Coverage A exclusion k. Damage To Your Product removes property damage to the insured's product arising out of it or any part of it, and carries no stated exception in this form.
Coverage A exclusion l. Damage To Your Work removes property damage to the insured's work arising out of it or any part of it and included in the products-completed operations hazard, and states that the exclusion does not apply if the damaged work, or the work out of which the damage arises, was performed on the named insured's behalf by a subcontractor.
Coverage A exclusion m. Damage To Impaired Property Or Property Not Physically Injured removes property damage to impaired property or to property that has not been physically injured arising out of a defect, deficiency, inadequacy or dangerous condition in the insured's product or work, or out of a delay or failure by the insured or anyone acting on its behalf to perform a contract or agreement in accordance with its terms, and states that the exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to the insured's product or work after it has been put to its intended use.
Coverage A exclusion n. Recall Of Products, Work Or Impaired Property removes damages claimed for any loss, cost or expense incurred by the insured or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of the insured's product, work or impaired property, and applies only if such product, work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it.
Coverage A exclusion p. Electronic Data removes damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access or inability to manipulate electronic data, and states in the same paragraph that the exclusion does not apply to liability for damages because of bodily injury.
Coverage A exclusion i. War excludes bodily injury or property damage arising directly or indirectly out of war including undeclared or civil war, warlike action by a military force, and insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these.
Coverage A exclusion q. excludes bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate the Telephone Consumer Protection Act, the CAN-SPAM Act of 2003, the Fair Credit Reporting Act including the Fair and Accurate Credit Transactions Act amendment, or any other similar statute, ordinance or regulation.
Section III Limits Of Insurance in this base form sets limits only and contains no liability deductible provision.
Coverage B is Personal And Advertising Injury Liability, has its own limit of insurance and its own exclusions including a pollution exclusion, and Coverage C is Medical Payments, whose payments are made regardless of fault and cannot exceed the applicable limit of insurance.
Published: 2013-04
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Plain text

BestInsurance Research. "Reading CG 20 10, CG 20 37 and CG 20 01 to see why one contract sentence usually asks for three separate endorsements." WJB Services, Inc. dba Bollinsure Insurance Services. Published September 1, 2026. Last reviewed September 1, 2026. Content version 2026.08.31. https://bestinsuranceresearch.com/examples/additional-insured-takes-three-endorsements

BibTeX

@misc{bir-additional-insured-takes-three-endorsements-2026,
  title        = {Reading CG 20 10, CG 20 37 and CG 20 01 to see why one contract sentence usually asks for three separate endorsements},
  author       = {Aaron Bollinger},
  organization = {BestInsurance Research},
  institution  = {WJB Services, Inc. dba Bollinsure Insurance Services},
  year         = {2026},
  month        = {09},
  note         = {Last reviewed September 1, 2026; content version 2026.08.31},
  howpublished = {\url{https://bestinsuranceresearch.com/examples/additional-insured-takes-three-endorsements}},
  urldate      = {2026-09-01}
}

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