CG 20 24 Additional Insured - Owners or Other Interests From Whom Land Has Been Leased

An Insurance Services Office (ISO) standard form. It adds the owners or other parties who lease land to you as additional insureds for injury or damage caused in whole or in part by you in connection with that land, excluding occurrences after the lease ends and their own structural alterations, construction or demolition.

1. 12 19 edition

   Dec 2019, compared with 04 13Latest edition

   • Coverage for the additional insured now applies only to injury or damage caused, in whole or in part, by you or those acting on your behalf, instead of any liability arising out of the leased land.

     04 13

     “liability arising out of the ownership, maintenance or use of that part of the land”

     12 19

     “caused, in whole or in part, by you or those acting on your behalf”

   • 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 11 85

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

     11 85

     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.

     11 85

     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 and other forms G 20 24. Only some filings record replacements.

• Edition in use: in the past 12 months, 41 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 207 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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 24 in 2 filings
• WR Berkley Corporation GroupUses CG 20 24 in 1 filing
• Fairfax Financial GroupUses CG 20 24 in 2 filings

• CG 20 11Additional Insured – Managers or Lessors of Premises207 filings
• CG 20 26Additional Insured – Designated Person or Organization206 filings
• CG 20 27Additional Insured – Co-Owner of Insured Premises204 filings
• CG 20 28Additional Insured – Lessor of Leased Equipment204 filings
• CG 20 12Additional Insured – State or Governmental Agency or Subdivision or Political Subdivision – Permits or Authorizations201 filings
• CG 20 18Additional Insured – Mortgagee, Assignee or Receiver201 filings
• CG 20 05Additional Insured – Controlling Interest199 filings
• CG 20 23Additional Insured – Executors, Administrators, Trustees or Beneficiaries198 filings
• CG 20 15Additional Insured – Vendors196 filings
• CG 20 29Additional Insured – Grantor of Franchise196 filings