CG 20 23 Additional Insured - Executors, Administrators, Trustees Or Beneficiaries

An Insurance Services Office (ISO) standard form. It adds executors, administrators, trustees or beneficiaries of your estate or living trust as additional insureds while they act within the scope of those duties.

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 10 93

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

     10 93

     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.

     10 93

     Not in this edition

     04 13

     “whichever is less”

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 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 27 (Additional Insured – Co-Owner of Insured Premises) is filed alongside it most often, in 199 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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 23 in 2 filings
• WR Berkley Corporation GroupUses CG 20 23 in 1 filing
• Fairfax Financial GroupUses CG 20 23 in 2 filings

• CG 20 27Additional Insured – Co-Owner of Insured Premises199 filings
• CG 20 24Additional Insured – Owners or Other Interests From Whom Land Has Been Leased198 filings
• CG 20 11Additional Insured – Managers or Lessors of Premises196 filings
• CG 20 26Additional Insured – Designated Person or Organization195 filings
• CG 20 05Additional Insured – Controlling Interest194 filings
• CG 20 12Additional Insured – State or Governmental Agency or Subdivision or Political Subdivision – Permits or Authorizations194 filings
• CG 20 15Additional Insured – Vendors194 filings
• CG 20 28Additional Insured – Lessor of Leased Equipment193 filings
• CG 20 29Additional Insured – Grantor of Franchise192 filings
• CG 20 18Additional Insured – Mortgagee, Assignee or Receiver191 filings