CG 20 05 Additional Insured - Controlling Interest

An Insurance Services Office (ISO) standard form. It adds the person or organization shown in the schedule as an additional insured for liability arising from its financial control of you or premises it owns or controls that you lease or occupy, excluding structural alterations, new construction and demolition.

1. 12 19 edition

   Dec 2019, compared with 04 13Latest edition

   • The additional insured's contract-based limit is now measured against the applicable limits of insurance, without tying it to 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.

     11 85

     Not in this edition

     04 13

     “The insurance afforded to such additional insured only applies to the extent permitted by law”

   • When a contract requires the coverage, it is no broader than the contract requires.

     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”

   • A new limits provision caps what is paid for the additional insured at the amount the contract requires, and the endorsement does not increase the policy 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: 05 20.

Where filings record what this form replaced, they name earlier edition 04 13. Only some filings record replacements.

• Edition in use: in the past 12 months, 40 companies filed the 12 19 edition and 7 companies filed 04 13.
• CG 20 27 (Additional Insured – Co-Owner of Insured Premises) is filed alongside it most often, in 207 of the same filings (99%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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.

• Chubb Limited GroupFiles its own version: CB CG 202366 Additional Insured – Controlling Interest (38 states)
• Berkshire Hathaway GroupUses CG 20 05 in 2 filings
• WR Berkley Corporation GroupUses CG 20 05 in 1 filing
• Fairfax Financial GroupUses CG 20 05 in 2 filings

• CG 20 27Additional Insured – Co-Owner of Insured Premises207 filings
• CG 20 11Additional Insured – Managers or Lessors of Premises206 filings
• CG 20 26Additional Insured – Designated Person or Organization206 filings
• CG 20 18Additional Insured – Mortgagee, Assignee or Receiver204 filings
• CG 20 13Additional Insured – State or Governmental Agency or Subdivision or Political Subdivision – Permits or Authorizations Relating to Premises201 filings
• CG 20 24Additional Insured – Owners or Other Interests From Whom Land Has Been Leased199 filings
• CG 20 12Additional Insured – State or Governmental Agency or Subdivision or Political Subdivision – Permits or Authorizations198 filings
• CG 20 15Additional Insured – Vendors195 filings
• CG 20 23Additional Insured – Executors, Administrators, Trustees or Beneficiaries194 filings
• CG 20 28Additional Insured – Lessor of Leased Equipment194 filings