CG 20 12 Additional Insured - State or Governmental Agency or Subdivision or Political Subdivision - Permits or Authorizations

An Insurance Services Office (ISO) standard form. It adds the state or governmental agency or political subdivision shown in the schedule as an additional insured for operations you perform under a permit or authorization it issued, excluding operations for a government body and completed operations.

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 05 09

   • Coverage for the additional insured now applies only to the extent permitted by law.

     05 09

     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.

     05 09

     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.

     05 09

     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 editions 04 13, 05 09 and other forms G 20 12. Only some filings record replacements.

• Edition in use: in the past 12 months, 42 companies filed the 12 19 edition and 7 companies filed 04 13.
• CG 20 11 (Additional Insured – Managers or Lessors of Premises) is filed alongside it most often, in 213 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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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.

• Berkshire Hathaway GroupUses CG 20 12 in 2 filings
• WR Berkley Corporation GroupUses CG 20 12 in 1 filing
• Fairfax Financial GroupUses CG 20 12 in 2 filings

• CG 20 11Additional Insured – Managers or Lessors of Premises213 filings
• CG 20 28Additional Insured – Lessor of Leased Equipment208 filings
• CG 20 18Additional Insured – Mortgagee, Assignee or Receiver207 filings
• CG 20 26Additional Insured – Designated Person or Organization204 filings
• CG 20 24Additional Insured – Owners or Other Interests From Whom Land Has Been Leased201 filings
• CG 20 27Additional Insured – Co-Owner of Insured Premises200 filings
• CG 20 15Additional Insured – Vendors199 filings
• CG 20 05Additional Insured – Controlling Interest198 filings
• CG 20 29Additional Insured – Grantor of Franchise197 filings
• CG 20 13Additional Insured – State or Governmental Agency or Subdivision or Political Subdivision – Permits or Authorizations Relating to Premises196 filings