Form CG 20 10
An ISO additional insured endorsement that extends commercial general liability coverage to scheduled persons or organizations for liability arising out of the named insured’s ongoing operations.
Definition
Form CG 20 10 is an Insurance Services Office (ISO) commercial general liability endorsement that designates one or more additional insureds and limits coverage to bodily injury, property damage, or personal and advertising injury caused by the named insured’s ongoing operations performed for those additional insureds.
Structural Characteristics
- Identification of additional insured parties by name or category.
- Restriction of coverage to liability arising from ongoing operations.
- Dependence on the underlying commercial general liability policy terms.
- Application subject to the policy’s limits and exclusions.
Parameters & Conditions
- Coverage applies only while operations are in progress.
- No extension to completed operations unless paired with a separate endorsement.
- Coverage is typically required by contract between parties.
- Limits available to additional insureds are not increased beyond policy limits.
Topic Relationships
Exceptions, Limitations & Boundaries
Form CG 20 10 does not provide coverage for completed operations, does not alter exclusions in the base policy, and does not grant coverage for the additional insured’s independent acts or negligence unrelated to the named insured’s work.