CG 20 27 Additional Insured - Co- Owner Of Insured Premises

An Insurance Services Office (ISO) standard form. It adds the persons or organizations in the schedule as additional insureds under general liability, but only for their liability as co-owner of the premises shown in the schedule.

1. 12 19 edition

   Dec 2019, compared with 04 13Latest edition

   • The cap on what is paid for the additional insured now refers to the applicable limits of insurance rather than only 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 the contract or agreement requires.

     11 85

     Not in this edition

     04 13

     “insured 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 amount the contract requires or the available limits.

     11 85

     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 27. Only some filings record replacements.

• Edition in use: in the past 12 months, 40 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 225 of the same filings (98%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 27 in 16 filings
• WR Berkley Corporation GroupUses CG 20 27 in 1 filing
• Fairfax Financial GroupUses CG 20 27 in 2 filings

• CG 20 11Additional Insured – Managers or Lessors of Premises225 filings
• CG 20 26Additional Insured – Designated Person or Organization224 filings
• CG 20 10Additional Insured - Owners, Lessees or Contractors - Scheduled Person or Organization210 filings
• CG 20 28Additional Insured – Lessor of Leased Equipment210 filings
• CG 20 05Additional Insured – Controlling Interest207 filings
• CG 20 18Additional Insured – Mortgagee, Assignee or Receiver207 filings
• CG 20 24Additional Insured – Owners or Other Interests From Whom Land Has Been Leased204 filings
• CG 20 13Additional Insured – State or Governmental Agency or Subdivision or Political Subdivision – Permits or Authorizations Relating to Premises202 filings
• CG 20 12Additional Insured – State or Governmental Agency or Subdivision or Political Subdivision – Permits or Authorizations200 filings
• CG 20 23Additional Insured – Executors, Administrators, Trustees or Beneficiaries199 filings