What it does
CG 20 43 adds, without a schedule, any person or organization for whom the named insured agreed in writing to provide additional insured status. Coverage is for "bodily injury" or "property damage" not included in the products-completed operations hazard, or "personal and advertising injury", caused in whole or in part by the named insured's acts or omissions in the performance of its operations.
Who needs it
Janitorial, security, staffing, IT, delivery, event and other service firms, plus product sellers whose customer contracts require blanket AI status for ongoing work.
Key provisions and limits
- Broad professional services exclusion (legal, accounting, advertising, design, engineering, construction management inspection, medical, therapeutic, cosmetic, fitness, optical, piercing, pharmacy, law enforcement, firefighting and funeral services).
- No coverage for completed operations.
- 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
- Introduced with the 12 19 edition. For construction contracts, CG 20 33/CG 20 38 and CG 20 39/CG 20 40 are the construction-specific blanket forms.
- If contracts require completed operations or products coverage for the other party, this form will not meet that requirement.
