2011 form liability-2025

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The commercial general liability (CGL) policy is a standard insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI)
CG 20 11 Additional Insured - Managers or Lessors of Premises. Adds a premises owner or manager as additional insured under tenants policy. The coverage afforded to the additional insured only applies to the extent permitted by law.
A certificate of liability insurance is a document that proves you have general liability insurance coverage. It is also called a general liability insurance certificate, proof of insurance or an 25 form. This document includes details about: Coverage amounts and limits. Your insurance company.
The claims-made form covers incidents that you report during the active policy period or during an extended reporting period and occur after a policys retroactive start date. Claims through this form of coverage must meet both criteria for coverage to apply.
The current form CG 20 10 after 1985 does not provide coverage to the additional insured for completed operations. It only provides coverage for ongoing operations, and this was a completed operations exposure. If they also wanted coverage for completed operations, they would need a CG 20 37 endorsement.
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As the most common additional insured endorsement for contractors is the CG 20 10. In plain English a CG 20 10 is proof of insurance. It names your customer as an additional insured on your commercial general liability (CGL) policies.
The CG 20 10 additional insured endorsement extends coverage to your clients. What makes the CG 20 10 11/85 endorsement different and the clients preference is the phrase: your work. After November 1985 (hence 11/85), the term your work was replaced with your ongoing operations.
If your tax withholdings and payments fell short of your tax liability for the year, the unpaid difference is the tax you owe. And if your withholdings and payments exceeded your tax liability, the difference is your tax refund. Your federal tax liability amount is found on Form 1040 (line 24).

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