Cg 20 18 2025

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This document is an endorsement to a Commercial General Liability policy, specifically the CG 20 18 04 13 form. It outlines the conditions under which additional insured parties, such as mortgagees or assignees, are covered for liabilities related to the ownership and use of specified premises. The coverage is limited by law and contractual agreements, and does not extend to structural alterations or new construction. The limits of insurance for additional insureds are capped at either the contractually required amount or the available limits in the policy declarations.

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What is the difference between CG 20 12 and CG 20 13?

CG 20 12 - Additional Insured-State or Governmental Agency or Subdivision or Political Subdivision-Permits or Authorizations. CG 20 13 - Additional Insured-State or Governmental Agency or Subdivision or Political Subdivision-Permits or Authorizations Relating to Premises. CG 20 15 - Additional Insured-Vendors.

What is the difference between CG 20 33 and CG 20 10?

A significant difference between the CG 20 10 and CG 20 33, is CG 20 33s requirement that there must be a written contract or agreement between the additional insured and the named insured. As a way to explain the significance of the written contract requirement, imagine a custom home building project.

What is the difference between CG 2033 and CG 2038?

This endorsement is very similar to CG2033. The primary difference between these two endorsements is that CG2038 applies to a party or parties requiring additional insured status within a construction agreement that are not the actual contracting party with the contractor.

What is CG 2040?

Instead, CG 20 40 provides AI coverage to anyone required to be named as an additional insured under any written contract that performs operations for the named insured.

What is a cg 20/10 endorsement?

The CG 20 10 covers the additional insured with respect to liability caused by your ongoing operations. Ongoing operations does not include completed operations. Therefore, the current form CG 20 10 does not include completed operations coverage for the additional insured.

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What is a CG2037 endorsement?

To address the CG 20 10s gap in completed operations coverage after 1985, the Insurance Service Office (ISO) created CG 20 37 Additional Insured Owners, Lessees or Contractors Completed Operations. As the name implies, this endorsement provides coverage to the additional insured for completed operations.