Free Cg 20 26 04 13 Form in PDF

Instructions on Writing Cg 20 26 04 13

Filling out the CG 20 26 04 13 form, a critical document that modifies your Commercial General Liability policy by adding an additional insured, requires careful attention to detail. This procedure ensures that a person or organization is covered under your policy, specifically for liabilities arising from your operations or premises owned or rented by you. It’s essential to input accurate information for effective coverage alignment. Below are the steps you need to follow to complete this form accurately.

1. Locate the Policy Number: At the top of the form, enter the policy number of the Commercial General Liability coverage it modifies.
2. Identify the Additional Insured: In the "SCHEDULE" section, specify the name of the person(s) or organization(s) to be added as an additional insured. If this information is not pre-filled, ensure it matches the declaration page of your policy.
3. Review the Amendments: Read through section A carefully, which outlines how the addition of the insured modifies who is covered under the policy. This section explains the circumstances under which the additional insured is covered, emphasizing the liability originating from your actions or premises.
4. Understand the Limits of Insurance: Section B provides vital information on the insurance limits applicable to the additional insured. Pay special attention to whether these limits meet the requirements of any contract or agreement necessitating the addition of an insured.
5. Double-check for Accuracy: Before submitting the form, verify all the information for correctness. Ensuring that the name of the additional insured(s) and any other details are accurate and match any related documents or agreements is crucial for the endorsement to be effective.
6. Submission and Storage: Submit the completed form to your insurance provider according to their guidelines. Keep a copy for your records and provide one to the additional insured, ensuring all parties are informed of the coverage changes.

After submitting the CG 20 26 04 13 form, your insurance provider will process the addition of the designated person or organization as an additional insured under your Commercial General Liability policy. This change could impact your coverage and possibly your premium, depending on the specifics of your policy and the additional insured. It's advisable to review any modifications to your policy documents carefully and to maintain open communication with your insurance provider to address any questions or concerns. Remember, the addition of an additional insured should align with your contractual obligations and risk management strategy.

What is a CG 20 26 04 13 form and when is it used?

The CG 20 26 04 13 form is a specific endorsement used in commercial general liability insurance policies. It serves to amend the policy by adding a designated person or organization as an additional insured. This means that the person or organization specified in the Schedule of the endorsement is included under the policy's coverage, but only in relation to liability for bodily injury, property damage, or personal and advertising injury. Liability coverage is provided only if it arises out of the policyholder's operations or in connection with the policyholder’s premises. It is commonly utilized when a contract or agreement necessitates such protection, often in business relationships where one party needs to be indemnified against liabilities arising from the other party's actions.

How does including an additional insured with this endorsement affect coverage limits?

Incorporating an additional insured through the CG 20 26 04 13 endorsement does not increase the overall limits of insurance provided by the policy. Instead, if the additional insured coverage is mandated by a contract or agreement, the maximum amount that will be paid on behalf of the additional insured is either the amount required by the contract or the amount available under the applicable policy limits, whichever is less. This ensures that the added party is covered up to a certain limit, but it does not extend beyond the policy’s established maximums.

What does "caused, in whole or in part, by your acts or omissions" mean in the context of this form?

The phrase "caused, in whole or in part, by your acts or omissions" specifies the scope of liability coverage extended to the additional insured. It means that for the additional insured to be covered under the policy, the liability must stem from the actions or lack of action (omissions) of the named insured or individuals acting on their behalf. This limits the coverage to incidents directly or partially related to the named insured's business operations or conduct in relation to the insured premises. This clause focuses liability coverage on situations where the named insured has some degree of responsibility.

Can this endorsement cover liabilities beyond the scope of the original policy?

No, the CG 20 26 04 13 endorsement cannot extend coverage to liabilities beyond what is originally provided in the commercial general liability policy. Furthermore, if the endorsement is added as a requirement of a contract or agreement, the coverage for the additional insured will not be broader than what the contract stipulates. Essentially, this endorsement can only modify the policy to add another insured within the confines of the existing coverage limits and conditions; it does not broaden the overall scope of coverage.

What documentation is required to complete the Schedule section of the CG 20 26 04 13 form?

To complete the Schedule section of the CG 20 26 04 13 form, specific information about the additional insured must be provided. This includes the name of the person or organization to be added as an additional insured. If the necessary details are not included in the endorsement form itself, they must be listed in the Declarations section of the policy. This ensures that the identity and details of the additional insured are formally documented and recognized by the insurance policy, making clear who is being added to the policy as an additional insured.

When it comes to filling out the CG 20 26 04 13 form, a common mistake made is overlooking the importance of accurately entering the Name Of Additional Insured Person(s) Or Organization(s). This detail is crucial as it directly influences the extension of coverage to those additional insured entities. Missing this detail or providing inaccurate information can lead to issues in coverage at the time of a claim, potentially leaving the additional insured without the intended protection.

Another area that often gets overlooked is the understanding and acknowledgment that the insurance provided to the additional insured is only applicable to the extent permitted by law. Individuals filling out the form might not fully grasp the implications of this limitation. This misunderstanding can lead to unrealistic expectations of coverage, which might not be supportable under the law, thus leading to complications during claim scenarios.

The form clearly states that if the additional insured coverage is required by a contract or agreement, the coverage will not be broader than that which is required by the contract or agreement. A common mistake is failing to align the coverage specifics detailed in the contract with those outlined in the endorsement. Ensuring these elements match is crucial for fulfilling contractual obligations and avoiding gaps in coverage that could leave either party vulnerable.

Furthermore, many fail to notice the provisions under Section III – Limits Of Insurance, which specify that the most we will pay on behalf of the additional insured is the amount required by the contract or available under the policy, whichever is less. This oversight can lead to incorrect assumptions about the amount of coverage available for the additional insured, potentially leading to significant financial exposures if a claim exceeds these limits.

Last but not least, ignoring the clause that this endorsement shall not increase the applicable Limits of Insurance shown in the Declarations is a critical mistake. Stakeholders may mistakenly believe that adding an additional insured will somehow extend or increase their total coverage capacity. This misunderstanding can be particularly problematic in large or complex claims where the limits of insurance become a pivotal factor in settlement discussions.

When dealing with commercial general liability coverage, it's crucial not only to understand the CG 20 26 04 13 form but also to be familiar with other forms and documents that frequently accompany it. These forms and documents provide additional details, specify coverage, and ensure compliance with various requirements. Here's a look at eight key documents often used in conjunction with the CG 20 26 04 13 form.

• ACORD 25 - Certificate of Liability Insurance: This certificate serves as proof of insurance coverage. It outlines the types of coverage held, their limits, and the insurance company providing them. It's often requested by third parties wanting to verify insurance coverage.
• CG 00 01 - Commercial General Liability Coverage Form: This is a foundational document that outlines the standard coverage provided by commercial general liability insurance. It includes definitions, coverages, exclusions, and limits.
• CG 24 17 - Waiver of Transfer of Rights of Recovery Against Others to Us: This endorsement modifies the insurance coverage to waive the insurer's right to recover payments from a third party, promoting smoother business relationships and contracts.
• CG 21 39 - Contractual Liability Limitation Endorsement: This limits the insurance coverage for contractual liability, specifying under what conditions contractual liabilities will be covered.
• ISO Additional Insured Endorsements (Various): A range of endorsements, including CG 20 10, that modify who is covered as an additional insured under the policy. These are used to extend coverage to other individuals or entities as required by contracts or agreements.
• CG 20 37 - Additional Insured – Owners, Lessees or Contractors – Completed Operations: This provides coverage to additional insureds for liability arising out of the named insured’s completed operations, a critical aspect for construction or manufacturing contracts.
• CG 04 37 - Employee Benefits Liability Coverage Form: This form extends general liability coverage to include liability protection against claims arising from the administration of an employee benefits program.
• ACORD 28 - Evidence of Commercial Property Insurance: While focusing on property instead of liability, this document often accompanies liability documents to provide a comprehensive picture of an entity’s insurance coverage. It outlines property insurance held by the entity.

Together, these documents and forms create a landscape of liability and property coverage for businesses, ensuring protection against a variety of risks. Companies often find themselves navigating through these documents to ensure they have adequate coverage, comply with contractual requirements, and mitigate risks associated with their operations. It’s essential for businesses to understand these documents in the context of their overall insurance program.

The CG 20 10 endorsement shares similarities with the CG 20 26 04 13 by extending additional insured status to certain individuals or organizations. Both documents operate within the realm of commercial general liability insurance, broadening coverage to include additional insured parties, though the CG 20 10 specifically pertains to ongoing operations. The additional insured under a CG 20 10 form has coverage for liabilities arising from the named insured's operations performed on their behalf, mirroring the coverage extension logic found in CG 20 26 04 13.

Similarly, the CG 20 37 endorsement resonates with the foundational purpose of CG 20 26 04 13, offering coverage to additional insureds under commercial general liability policies. Both endorsements intend to amend the "Who Is An Insured" section to include additional entities or individuals. However, the CG 20 37 form is catered towards completed operations, providing a safety net for liabilities that emerge from the insured's completed work, whereas CG 20 26 extends this coverage more broadly.

The ISO form CG 00 01, which outlines the standard commercial general liability coverage part, serves as a basis that endorsements like the CG 20 26 04 13 modify. While CG 00 01 establishes the foundation of liability coverage, the CG 20 26 endorsement specifically alters who is considered an insured under the policy, reflecting how endorsements adapt the standard coverage to meet specific contractual requirements or risk profiles.

The form CG 24 26, pertains to the "Amendment of Insured Contract Definition," which, like CG 20 26, directly modifies predefined policy terms. Although the focus is different—with CG 24 26 aiming to alter the scope of what constitutes an insured contract—the essence of modifying the policy to better align with the insured's needs or contractual obligations is a common theme shared with CG 20 26 04 13.

Similar in nature to the CG 20 26 04 13, the CG 20 33 endorsement serves to provide additional insured status but with a specific focus on lessors of leased equipment. This form, while addressing a more niche area, indicates the flexibility of commercial general liability insurance to accommodate various relationships and liabilities through endorsement modifications. It showcases the industry practice of tailoring coverage via endorsements to include additional insureds based on their unique exposures, akin to the CG 20 26's approach.

The CA 20 48 "Garagekeepers Coverage" endorsement, though primarily associated with automobile liability insurance, shares the conceptual approach of extending coverage to additional interests through endorsements, similar to CG 20 26. The CA 20 48 specifically offers physical damage coverage for vehicles under the care, custody, or control of a business, demonstrating how different forms can be utilized to provide targeted coverage enhancements in a manner akin to how CG 20 26 modifies liability coverage.

The WB 11 04 07 "Waiver of Subrogation – Workers Compensation and Employers Liability" endorsement represents another facet of insurance where an endorsement alters the policy to benefit a third party, paralleling the intent behind CG 20 26 04 13. By waiving the insurer's right to recover paid losses from a third party, this form, akin to additional insured endorsements, modifies standard policy terms to accommodate specific contractual relationships or requirements.

The CG 21 39 "Contractual Liability Limitation" endorsement operates within the sphere of commercial general liability insurance by limiting the policy's coverage related to contractual liability, contrasting with CG 20 26’s expansion of coverage to additional insureds. Both forms exemplify the nuanced customization available through endorsements, whether to expand or restrict coverages, highlighting the flexible nature of insurance policies to adapt to specific insured needs or contractual obligations.

Lastly, the CG 04 37 "Terrorism Exclusion" endorsement showcases another aspect of modifying standard policies through endorsements. While its primary function is to exclude coverage for terrorism-related losses, the mechanism of directly altering policy terms to better fit the risk appetite of the insurer or requirements of the insured mirrors the functional approach of the CG 20 26 04 13. Both forms underscore the importance of policy endorsements in personalizing commercial insurance coverage to meet diverse and specific needs.

When filling out the CG 20 26 04 13 Form, it is critical to approach the task with diligence and accuracy. This form, pivotal for extending commercial general liability coverage to additional insureds, requires careful consideration. Below are ten do's and don'ts that will guide individuals through the process effectively.

1. Review the entire form before starting to fill it out to understand all requirements.

2. Ensure that the name of the additional insured person(s) or organization(s) is spelled correctly and matches the name(s) as listed in any contracts or agreements.

3. Verify the policy number at the top of the form to confirm it matches the commercial general liability coverage part.

4. Include any necessary information not shown in the schedule but mentioned in the Declarations, confirming all details are current and accurate.

5. Understand the extent of liability coverage you are extending to the additional insured, ensuring it is in accordance with the law and any contractual obligations.

1. Do not leave any required fields blank. If certain information does not apply, mark it as "N/A" (not applicable).

2. Avoid making assumptions about the coverage required without consulting the actual contract or agreement related to the additional insured.

3. Do not overlook the limitations of the insurance afforded to the additional insured, especially the maximum amount that can be paid out on their behalf.

4. Refrain from extending coverage that is broader than what you are obligated to provide, as per existing contracts or legal requirements.

5. Do not forget to keep a copy of the completed form for your records and to provide a copy to the additional insured.

By following these guidelines, individuals can ensure that the form is filled out correctly and that the intended additional insured persons or organizations are properly covered under the commercial general liability policy. This careful approach will help in avoiding common pitfalls and ensuring compliance with relevant laws and agreements.

There are several misconceptions surrounding the CG 20 26 04 13 form, commonly used in commercial general liability insurance. These misunderstandings can lead to confusion about the coverage and protections it provides. Let's address and clarify some of these misconceptions.

• The CG 20 26 form provides automatic coverage for all activities related to the additional insured.

  This is not true. The form clearly states that it amends the coverage to include an additional insured only with respect to liability arising from the named insured's operations or use of the premises owned or rented by them. This means coverage for the additional insured is specifically tied to the actions of the named insured that relate directly to the operations or premises specified in the policy.

• It extends coverage to the additional insured for all types of liability.

  Actually, the CG 20 26 form specifies that the additional insured is covered only for "bodily injury", "property damage", or "personal and advertising injury". It does not extend coverage for all types of liability, highlighting the importance of understanding the limits of what is covered under this endorsement.

• Coverage for an additional insured under the CG 20 26 is as broad as the coverage for the named insured.

  This presumption is incorrect. Section A, part 2 of the form limits the coverage to not exceed the requirements of a contract or agreement. If the contract stipulates narrower coverage for the additional insured than for the named insured, then the insurance provided will align with those specifications, not automatically mirror the breadth of coverage held by the named insured.

• The endorsement provides additional coverage limits for the additional insured.

  This misunderstanding could lead to significant mismanagement of risk. The endorsement specifies under Section B that it does not increase the policy's overall limits of insurance for the additional insured. The maximum payout remains capped at the amount stated in the policy Declarations, regardless of the addition of the insured person or organization, potentially limiting the additional insured's coverage.

Understanding these aspects of the CG 20 26 04 13 form is vital for both the named and additional insureds to accurately assess their coverage levels and mitigate risks effectively. Always reading the document carefully and consulting with an insurance professional can help clarify any doubts and ensure all parties are adequately protected.

• The CG 20 26 04 13 form is an endorsement that changes the policy of Commercial General Liability insurance by adding an additional insured person or organization.
• This endorsement specifically extends coverage to the additional insured in relation to liability for bodily injury, property damage, or personal and advertising injury that arises from the named insured’s actions or omissions, or those acting on their behalf.
• The additional insured is covered in connection with the named insured's ongoing operations or premises owned or rented by the named insured.
• Coverage for the additional insured is only applicable to the extent permitted by law, ensuring compliance with legal restrictions or limits on such coverage expansions.
• If the additional insured coverage is mandated by a contract or agreement, the scope of coverage will not exceed the requirements specified within that contract or agreement.
• The endorsement specifies that if coverage for the additional insured is dictated by a contract or agreement, the maximum amount payable will be the lesser of the amount required by the contract or the limits available under the policy’s Declarations.
• It is clearly stated that this endorsement does not increase the overall Limits of Insurance as shown in the policy’s Declarations.
• For accurate implementation, information required to complete the Schedule of the additional insured person(s) or organization(s) will be provided in the Declarations section of the policy, underscoring the importance of referring to the policy Declarations for specific details.