CG 20 03 Additional Insured - Concessionaires Trading Under Your Name

An Insurance Services Office (ISO) standard form. It adds the scheduled concessionaires as additional insureds, but only for their liability as concessionaires trading under your name, limited to what the law permits and to the coverage and limits a contract requires.

1. 12 19 edition

   Dec 2019, compared with 04 13Latest edition

   • The contract-limit cap now refers to the applicable limits of insurance instead of the limits shown in the Declarations.

     04 13

     “Available under the applicable Limits of Insurance shown in the Declarations;”

     12 19

     “Available under the applicable limits of insurance;”

2. 04 13 edition

   Apr 2013, compared with 11 85

   • Coverage for the additional insured now applies only to the extent permitted by law and is no broader than what a contract requires you to provide.

     11 85

     Not in this edition

     04 13

     “will not be broader than that which you are required by the contract or agreement to provide”

   • When a contract requires the coverage, the most paid for the additional insured is the lesser of the contract amount or the available limits.

     11 85

     Not in this edition

     04 13

     “the most we will pay on behalf of the additional insured is the amount of insurance:”

1 other edition date appears in one or two filings each, often carrier-specific versions: 10/1/2020.

Where filings record what this form replaced, they name earlier edition 04 13 and other forms G 20 03. Only some filings record replacements.

• Edition in use: in the past 12 months, 29 companies filed the 12 19 edition and 7 companies filed 04 13.
• CG 20 23 (Additional Insured - Executors, Administrators, Trustees or Beneficiaries) is filed alongside it most often, in 160 of the same filings (98%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• Berkshire Hathaway GroupUses CG 20 03 in 2 filings
• WR Berkley Corporation GroupUses CG 20 03 in 1 filing
• Fairfax Financial GroupUses CG 20 03 in 2 filings

• CG 20 23Additional Insured - Executors, Administrators, Trustees or Beneficiaries160 filings
• CG 20 11Additional Insured - Managers or Lessors of Premises159 filings
• CG 20 12Additional Insured - State or Governmental Agency or Subdivision or Political Subdivision - Permits or Authorizations159 filings
• CG 20 15Additional Insured - Vendors159 filings
• CG 20 27Additional Insured - Co-Owner of Insured Premises159 filings
• CG 20 24Additional Insured - Owners or Other Interests From Whom Land Has Been Leased158 filings
• CG 20 26Additional Insured – Designated Person or Organization158 filings
• CG 21 66Exclusion – Volunteer Workers as Insureds158 filings
• CG 20 05Additional Insured - Controlling Interest157 filings
• CG 20 13Additional Insured - State or Governmental Agency or Subdivision or Political Subdivision - Permits or Authorizations Relating to Premises156 filings