CG 20 10 Additional Insured - Owners, Lessees or Contractors - Scheduled Person or Organization Endorsement

An Insurance Services Office (ISO) standard form. Adds a person or organization named in the schedule as an additional insured, for injury or damage caused by your ongoing operations for them at the listed location.

1. 12 19 edition

   Dec 2019, compared with 04 13Latest edition

   • The additional insured limit no longer points to 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 07 04

   • Coverage applies only to the extent the law allows.

     07 04

     Not in this edition

     04 13

     “only applies to the extent permitted by law”

   • Coverage is capped at what the contract requires.

     07 04

     Not in this edition

     04 13

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

   • Adds a limit: the lesser of the contract requirement or the policy limits.

3. 07 04 edition

   Jul 2004, compared with 10 01

   • Narrows the grant from "arising out of" to injury caused by the named insured's acts or omissions.

     10 01

     “liability arising out of your ongoing operations performed for that insured”

     07 04

     “caused, in whole or in part, by: 1. Your acts or omissions”

   • Adds personal and advertising injury and a scheduled location of covered operations.

3 other edition dates appear in one or two filings each, often carrier-specific versions: 05 20, 10 13, 10/1/2020.

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, 41 companies filed the 12 19 edition and 10 companies filed 07 04.
• CG 20 37 (Additional Insured – Owners, Lessees or Contractors – Completed Operations) is filed alongside it most often, in 348 of the same filings (75%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 10 in 16 filings
• WR Berkley Corporation GroupUses CG 20 10 in 17 filings
• Fairfax Financial GroupUses CG 20 10 in 1 filing

• CG 20 37Additional Insured – Owners, Lessees or Contractors – Completed Operations348 filings
• CG 20 26Additional Insured - Designated Person or Organization Endorsement346 filings
• CG 20 11Additional Insured – Managers or Lessors of Premises297 filings
• CG 20 28Additional Insured – Lessor of Leased Equipment280 filings
• CG 20 18Additional Insured – Mortgagee, Assignee or Receiver271 filings
• CG 20 01Primary and Noncontributory – Other Insurance Condition239 filings
• CG 20 27Additional Insured - Co-Owner of Insured Premises210 filings
• CG 21 06Exclusion – Access or Disclosure of Confidential or Personal Information and Data-Related Liability – with Limited Bodily Injury Exception205 filings
• CG 00 01Commercial General Liability Coverage Form196 filings
• CG 20 05Additional Insured – Controlling Interest192 filings