CG 20 26 Additional Insured - Designated Person or Organization Endorsement

An Insurance Services Office (ISO) standard form. It adds the person or organization named in the schedule as an additional insured, but only for injury or damage caused in whole or in part by your acts or omissions, or those of people acting for you, in your ongoing operations or in connection with premises you own or rent.

1. 12 19 edition

   Dec 2019, compared with 04 13Latest edition

   • When a contract requires the coverage, the additional insured's limit is the lesser of the contract amount or the applicable limits of insurance, no longer tied to 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 additional insured applies only to the extent permitted by law.

     07 04

     Not in this edition

     04 13

     “only applies to the extent permitted by law”

   • When a contract requires the coverage, it is no broader than the contract requires.

     07 04

     Not in this edition

     04 13

     “will not be broader than that which you are required by the contract or agreement to provide”

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

     07 04

     Not in this edition

     04 13

     “the most we will pay on behalf of the additional insured is the amount of insurance”

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 26. Only some filings record replacements.

• Edition in use: in the past 12 months, 43 companies filed the 12 19 edition and 7 companies filed 04 13.
• CG 20 10 (Additional Insured – Owners, Lessees or Contractors – Scheduled Person or Organization) is filed alongside it most often, in 346 of the same filings (84%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 26 in 17 filings
• WR Berkley Corporation GroupUses CG 20 26 in 1 filing
• Fairfax Financial GroupUses CG 20 26 in 1 filing

• CG 20 10Additional Insured – Owners, Lessees or Contractors – Scheduled Person or Organization346 filings
• CG 20 28Additional Insured – Lessor of Leased Equipment318 filings
• CG 20 11Additional Insured – Managers or Lessors of Premises311 filings
• CG 20 18Additional Insured – Mortgagee, Assignee or Receiver286 filings
• CG 20 01Primary and Noncontributory – Other Insurance Condition256 filings
• CG 20 37Additional Insured – Owners, Lessees or Contractors – Completed Operations238 filings
• CG 20 15Additional Insured – Vendors231 filings
• CG 20 27Additional Insured – Co-Owner of Insured Premises224 filings
• CG 21 06Exclusion – Access or Disclosure of Confidential or Personal Information and Data-Related Liability – with Limited Bodily Injury Exception224 filings
• CG 00 01Commercial General Liability Coverage Form220 filings