What it does
CG 24 56 12 23 is ISO's Excess Insurance Provision – Order Of Response – When You Are An Additional Insured On Other Insurance. ISO introduced it with the 12 23 data and cyber forms (filing GL-2023-OFOFR), approved in most states effective December 1, 2023.
Its purpose, as the title shows, is to make the named insured's own policy respond on an excess basis, in a defined order, when the insured has coverage available as an additional insured under another party's policy.
Who needs it
General contractors and owners that collect AI status from subcontractors, and any business that is an additional insured on vendors' or tenants' policies.
Key provisions and limits
- Interacts with primary and noncontributory endorsements (CG 20 01) on the other party's policy.
Quoting and selling notes
- Collect and keep certificates and AI endorsements from subs and vendors; this provision depends on that other insurance existing.
- Check contracts where the client itself promised primary and noncontributory coverage to others; that promise is handled by CG 20 01 on the client's own policy.
