1. Forms
  2. CG
  3. CG-20-11

What it does

CG 20 11 adds the scheduled landlord or property manager as an additional insured for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by the named insured or those acting on its behalf in connection with the ownership, maintenance or use of the part of the premises leased to the named insured and shown in the schedule.

Who needs it

Tenants: offices, stores, restaurants, warehouses and other occupants of leased space. Commercial leases almost always require it.

Key provisions and limits

  • Schedule: designation of the leased premises, name of the additional insured, and a premium line.
  • No coverage for any "occurrence" that takes place after the named insured ceases to be a tenant.
  • No coverage for structural alterations, new construction or demolition performed by or on behalf of the landlord.
  • Contract caps the coverage: the additional insured gets no broader coverage than the contract requires, and if a contract requires the coverage the most paid for the additional insured is the lesser of the contract-required amount or the policy limits. The endorsement never increases the policy limits.

Quoting and selling notes

  • Common areas outside the leased space are a frequent dispute; the grant is tied to the leased part of the premises.
  • Leases often also require primary and noncontributory wording (CG 20 01) and a waiver of subrogation (CG 24 04).
  • Leases sometimes cite the old 01 96 edition. The current edition limits coverage to injury or damage "caused, in whole or in part, by" the tenant and caps limits at what the lease requires, so explain the difference to the landlord if questioned.
  • For liquor liability coverage parts, the matching form is CG 34 01.

Lease checklist

  • Read the lease insurance article: it usually lists the landlord, the property manager and the lender as additional insureds; schedule each (lenders can go on CG 20 18).
  • Leases often require the tenant's CGL to be primary and noncontributory (CG 20 01) and include a waiver of subrogation (CG 24 04).
  • The endorsement covers only liability tied to the part of the premises leased to the named insured; slips in parking lots or common areas the landlord controls may fall outside it.
  • No coverage is provided for occurrences after the tenancy ends, so landlords sometimes ask tenants to keep coverage in force until move-out is complete.
  • Restaurants and bars: add CG 34 01 on the liquor policy as well; the CGL excludes liquor liability for businesses in the alcohol business.

Related forms

CG 20 01, CG 24 04, CG 34 01, CG 20 26, CG 20 24 (lessors of land).