Cg2026 2025

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This document is an endorsement to a Commercial General Liability policy, specifically the CG 20 26 04 13 form. It outlines the conditions under which additional insured parties are covered for liability related to bodily injury, property damage, or personal and advertising injury caused by the named insured's actions. The coverage is limited to ongoing operations or premises owned/rented by the insured and is subject to contractual agreements. The endorsement clarifies that coverage for additional insureds will not exceed the limits specified in the contract or the policy declarations.

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

What is the difference between additional named insured and certificate holder?

An additional insured endorsement is an amendment to one partys insurance policy which adds another party (also called the additional insured) as an insured under the policy.

Is a certificate holder the same as an additional insured?

For small businesses, additional named insureds often include partners, co-owners, or even family members of the named insureds. In other words, an additional named insured is typically a party close to the policy owner with similar risks and interests.

What does it mean to be an additional named insured?

Additional insureds are third parties granted limited protection under the policy, extending coverage beyond the initial policyholder to safeguard against liabilities in specific circumstances.

What is the benefit of being named additional insured?

Certi cate holders hold proof of insurance, or certi cates of insurance (COIs), from insureds they are working with while additional insureds are those who have coverage extended to them through the named insureds policy.

What is a cg 20/26 endorsement?

CG 20 26 Additional Insured - Designated Person or Organization. Adds a designated person or organization as an additional insured for liability arising out of the named insureds premises or operations. This endorsement can be used to add any interest to the policy, subject to company approval.