CG 20 17 Additional Insured - Unit Owners Of Townhouse Or Homeowner Associations

An Insurance Services Office (ISO) standard form. It adds each unit owner as an additional insured for liability as a member of the townhouse or homeowner association named insured, but not for property the owner has title to or premises reserved for the owner's exclusive use.

1. 12 19 edition

   Dec 2019, compared with 10 93Latest edition

   • Coverage now extends to unit owners of homeowner associations, not only townhouse owners, as members of the association named in the declarations.

     10 93

     “each individual townhouse owner”

     12 19

     “homeowner or townhouse association shown in the Declarations as a Named Insured”

   • Adds that a unit owner is not covered for liability arising out of premises reserved for that owner's exclusive use or occupancy.

     10 93

     Not in this edition

     12 19

     “That portion of the premises which is reserved for the unit-owner's exclusive use or occupancy”

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 edition 10 93 and other forms GA 479. Only some filings record replacements.

• Edition in use: in the past 12 months, 39 companies filed the 12 19 edition and 7 companies filed 10 93.
• CG 20 18 (Additional Insured – Mortgagee, Assignee or Receiver) is filed alongside it most often, in 195 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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 17 in 2 filings
• WR Berkley Corporation GroupUses CG 20 17 in 1 filing
• Fairfax Financial GroupUses CG 20 17 in 2 filings

• CG 20 18Additional Insured – Mortgagee, Assignee or Receiver195 filings
• CG 20 27Additional Insured – Co-Owner of Insured Premises194 filings
• CG 20 05Additional Insured – Controlling Interest193 filings
• CG 20 26Additional Insured – Designated Person or Organization193 filings
• CG 20 11Additional Insured – Managers or Lessors of Premises192 filings
• CG 20 13Additional Insured – State or Governmental Agency or Subdivision or Political Subdivision – Permits or Authorizations Relating to Premises192 filings
• CG 20 12Additional Insured – State or Governmental Agency or Subdivision or Political Subdivision – Permits or Authorizations185 filings
• CG 20 23Additional Insured – Executors, Administrators, Trustees or Beneficiaries185 filings
• CG 20 24Additional Insured – Owners or Other Interests From Whom Land Has Been Leased185 filings
• CG 20 15Additional Insured – Vendors184 filings