What it does
CG 20 22 adds as insureds church members (for their liability for church activities or activities they perform on its behalf), and trustees, officials, board members and clergy (clergy only for their duties as such). It also replaces the Coverage C exclusion for injury to an insured so that church members who are not paid a fee, salary or other compensation can still receive medical payments.
Who needs it
Churches, synagogues, mosques and other religious organizations.
Key provisions and limits
- Medical payments to unpaid members is a notable change from the base form, which excludes medical payments to any insured.
- 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
- Review abuse or molestation and professional (counseling) exclusions for churches with youth programs or pastoral counseling.
- 10 01 as the current edition.
