CG 20 13 Additional Insured - State Or Governmental Agency Or Subdivision Or Political Subdivision - Permits Or Authorizations Relating To Premises

An Insurance Services Office (ISO) standard form. It adds a state or government agency that issued you a permit for premises you own, rent or control as an additional insured, but only for hazards such as signs, awnings, sidewalk vaults and elevators covered by the permit.

1. 12 19 edition

   Dec 2019, compared with 04 13Latest edition

   • The limit available to the additional insured now refers to the applicable limits of insurance rather than 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 and is no broader than your contract requires.

     05 09

     Not in this edition

     04 13

     “only applies to the extent permitted by law”

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

     05 09

     Not in this edition

     04 13

     “whichever is less”

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 and other forms CG 20 12, CG 20 19. Only some filings record replacements.

• Edition in use: in the past 12 months, 41 companies filed the 12 19 edition and 1 company filed 04 13.
• CG 20 18 (Additional Insured – Mortgagee, Assignee or Receiver) is filed alongside it most often, in 206 of the same filings (97%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 13 in 2 filings
• WR Berkley Corporation GroupUses CG 20 13 in 1 filing
• Fairfax Financial GroupUses CG 20 13 in 2 filings

• CG 20 18Additional Insured – Mortgagee, Assignee or Receiver206 filings
• CG 20 11Additional Insured – Managers or Lessors of Premises205 filings
• CG 20 26Additional Insured – Designated Person or Organization204 filings
• CG 20 27Additional Insured – Co-Owner of Insured Premises202 filings
• CG 20 05Additional Insured – Controlling Interest201 filings
• CG 20 12Additional Insured – State or Governmental Agency or Subdivision or Political Subdivision – Permits or Authorizations196 filings
• CG 20 15Additional Insured – Vendors193 filings
• CG 20 24Additional Insured – Owners or Other Interests From Whom Land Has Been Leased193 filings
• CG 20 28Additional Insured – Lessor of Leased Equipment193 filings
• CG 20 17Additional Insured – Unit-Owners of Townhouse or Homeowner Associations192 filings