What it does
CG 20 07 adds, without a schedule, any architect, engineer or surveyor engaged by the named insured as an additional insured on the Commercial General Liability coverage part. Coverage applies to "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by the named insured's acts or omissions (or those acting on its behalf) in connection with the named insured's premises or in the performance of its ongoing operations.
Who needs it
Design-build contractors, developers and general contractors that retain design professionals or surveyors under contracts requiring AI status.
Key provisions and limits
- Additional exclusion for professional services rendered by or for the named insured, including preparing or approving maps, drawings, opinions, reports, surveys, change orders or specifications, and supervisory, inspection, architectural or engineering activities.
- Coverage applies only to the extent permitted by law.
- Contract-based limits: coverage is no broader than any contract requires, the most paid for the additional insured is the lesser of the contract-required amount or the policy limits, and the endorsement does not increase limits.
Quoting and selling notes
- CG 20 31 is the version for the Owners and Contractors Protective coverage part; do not substitute it on a CGL.
- Design professionals the insured did not hire but must cover under the contract are handled by CG 20 32.
- Texas has its own version, CG 33 91.
