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POLICY NUMBER COMMERCIAL GENERAL LIABILITY CG 20 10 07 04 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following SCHEDULE Name Of Additional Insured Person s Or Organization s Location s Of Covered Operations Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section II Who Is An Insured...is amended to include as an additional insured the person s or organization s shown in the Schedule but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by 1. Your acts or omissions or 2. The acts or omissions of those acting on your behalf in the performance of your ongoing operations for the additional insured s at the location s designated above. B. With respect to the insurance afforded to these additional insureds...the following additional exclusions apply This insurance does not apply to bodily injury or property damage occurring after 1. All work including materials parts or equipment furnished in connection with such work on the project other than service maintenance or repairs to be performed by or on behalf of covered operations has been completed or 2. That portion of your work out of which the injury or damage arises has been put to its intended use by any person or organization other than another...contractor or subcontractor engaged in performing operations for a principal as a part of the same project. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following SCHEDULE Name Of Additional Insured Person s Or Organization s Location s Of Covered Operations Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section II Who Is An Insured is amended to...include as an additional insured the person s or organization s shown in the Schedule but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by 1. A. Section II Who Is An Insured is amended to include as an additional insured the person s or organization s shown in the Schedule but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by 1. Your...acts or omissions or 2. The acts or omissions of those acting on your behalf in the performance of your ongoing operations for the additional insured s at the location s designated above. Your acts or omissions or 2. The acts or omissions of those acting on your behalf in the performance of your ongoing operations for the additional insured s at the location s designated above. B. With respect to the insurance afforded to these additional insureds the following additional exclusions apply This...insurance does not apply to bodily injury or property damage occurring after 1.

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Understanding the CG2010 Form

What is the CG2010 Form

The CG2010 form, also known as the Additional Insured – Owners, Lessees or Contractors, Scheduled Person or Organization, is an endorsement used in the commercial general liability insurance policy. This form allows policyholders to add additional insured parties, ensuring that they are covered for specific liabilities related to bodily injury, property damage, or personal and advertising injury. This endorsement is essential for those who manage projects involving contractors or other parties by transferring some of the liability risks.

Key Features of the CG2010 Form

The CG2010 form provides several important features, including: ensuring that additional insured parties are explicitly defined in a scheduled format, coverage detail relating to the specific operations conducted on their behalf, and a clear understanding of the liability limitations based on the necessary conditions of coverage. This structured approach enhances clarity and minimizes potential disputes regarding coverage obligations.

When to Use the CG2010 Form

The CG2010 form should be used when a business enters into contractual agreements that require naming additional parties as insured. Common scenarios include construction projects, service contracts, or when businesses partner with subcontractors. Using this form helps in delineating coverage responsibilities, thereby reducing potential liability exposure for all parties involved.

Who Needs the CG2010 Form

Various parties may need the CG2010 form, particularly those in industries such as construction, manufacturing, or any sector involving contract work. Businesses that hire contractors or sub-contractors typically require this form to protect themselves against liabilities stemming from the actions of these additional insured parties.

Best Practices for Accurate Completion

Accurate completion of the CG2010 form is crucial for ensuring that coverage is effectively extended. Best practices include: clearly specifying the names of additional insured parties, defining the scope of covered operations associated with each, ensuring the form is signed and dated correctly, and keeping a copy on file for future reference. Regularly reviewing the form under different project conditions can also prevent issues of coverage misunderstandings.

Common Errors and Troubleshooting

Common errors when completing the CG2010 form can include inaccuracies in identifying the additional insured parties, missing signatures, or misunderstanding the limits of liability coverage offered. It is important to verify all entries and ensure all relevant parties are listed accurately. Additionally, consulting with an insurance professional can help in identifying any discrepancies before submission.

Frequently Asked Questions about cg 20 10 07 04 form

What does the CG2010 form cover?

The CG2010 form covers liabilities related to bodily injury, property damage, or personal advertising injury for additional insured parties specified on the form.

Who benefits from using the CG2010 form?

Businesses that engage contractors or subcontractors benefit from using the CG2010 form, as it helps protect them from liability exposure arising from the actions of additional insured parties.

How can I ensure the CG2010 form is completed accurately?

To complete the CG2010 form accurately, clearly list all additional insured entities, define the scopes of their coverage, and ensure all required signatures are obtained.