CG 20 15 Additional Insured - Vendors

An Insurance Services Office (ISO) standard form. It adds vendors that sell or distribute your products as additional insureds for bodily injury or property damage arising out of those products, with exclusions for the vendor's own repackaging, product changes, unauthorized warranties and sole negligence.

1. 12 19 edition

   Dec 2019, compared with 04 13Latest edition

   • The limit available to the vendor 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 07 04

   • Coverage for the vendor now applies only to the extent permitted by law and is no broader than your contract requires.

     07 04

     Not in this edition

     04 13

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

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

     07 04

     Not in this edition

     04 13

     “whichever is less”

2 other edition dates appear in one or two filings each, often carrier-specific versions: 05 20, 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, 38 companies filed the 12 19 edition and 7 companies filed 04 13.
• CG 20 26 (Additional Insured – Designated Person or Organization) is filed alongside it most often, in 231 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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 15 in 2 filings
• WR Berkley Corporation GroupUses CG 20 15 in 1 filing
• Fairfax Financial GroupUses CG 20 15 in 1 filing

• CG 20 26Additional Insured – Designated Person or Organization231 filings
• CG 20 28Additional Insured – Lessor of Leased Equipment226 filings
• CG 20 36Additional Insured – Grantor of Licenses210 filings
• CG 20 35Additional Insured – Grantor of Licenses – Automatic Status When Required by Licensor209 filings
• CG 20 11Additional Insured – Managers or Lessors of Premises204 filings
• CG 20 12Additional Insured – State or Governmental Agency or Subdivision or Political Subdivision – Permits or Authorizations199 filings
• CG 20 27Additional Insured – Co-Owner of Insured Premises198 filings
• CG 20 24Additional Insured – Owners or Other Interests From Whom Land Has Been Leased196 filings
• CG 20 05Additional Insured – Controlling Interest195 filings
• CG 20 18Additional Insured – Mortgagee, Assignee or Receiver195 filings