What it does
CG 20 32 adds the architects, engineers or surveyors shown in the schedule, who are not engaged by the named insured but are contractually required to be added, as additional insureds. Coverage is for injury or damage caused, in whole or in part, by the named insured's acts or omissions in the performance of its ongoing operations.
Who needs it
Contractors whose prime contract or subcontract requires the owner's design team to be covered, a common clause in AIA-based construction contracts.
Key provisions and limits
- Schedule lists the design professionals by name.
- Additional exclusion for injury or damage arising out of professional services (maps, drawings, opinions, reports, surveys, change orders, designs or specifications; supervisory, inspection or engineering services).
- 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
- Pairs with CG 20 10 or CG 20 38 when the contract requires the owner, GC and design team all to be additional insureds.
- For professionals the insured itself hires, use CG 20 07.
