1. Forms
2. CG
3. CG-34-07

What the form is

The CG 34 07 Additional Insured – Volunteer Workers endorsement is an Insurance Services Office (ISO) form that modifies specific liability coverage parts to include volunteer workers as additional insureds. Its primary purpose is to extend liability coverage to these volunteers, but only for activities they perform related to the conduct of the named insured's business. This endorsement was part of a December 2019 ISO filing aimed at addressing coverage gaps for volunteers under certain liability policies other than the Commercial General Liability (CGL) policy, where volunteers might already have insured status.

Classes of business it applies to

This endorsement is intended for use with the Products/Completed Operations Liability Coverage Forms (CG 00 37 and CG 00 38). Therefore, it applies to businesses or organizations that:

• Utilize the services of volunteer workers.
• Have exposure to liabilities arising from their products or completed operations.

Real-world examples include:

• A non-profit organization that manufactures and sells goods (e.g., crafts, food products) using volunteer labor, where a product defect could cause injury or damage.
• A charitable group that uses volunteers to construct or repair homes, where an issue with the completed work could later result in liability.
• Any entity relying on volunteers for activities that fall under the scope of products/completed operations coverage.

Special considerations

• Scope of Coverage: It's crucial to understand that coverage for volunteer workers under this endorsement is limited to liability arising specifically from their duties performed for the insured's business. Activities outside this scope would not be covered.
• Specific to Products/Completed Operations: The CG 34 07 is not a standalone policy and must be attached to either the Products/Completed Operations Liability Coverage Form (Occurrence Version - CG 00 37) or the Products/Completed Operations Liability Coverage Form (Claims-Made Version - CG 00 38).
• Historical Context: Prior to the 2019 ISO updates, extending insured status to volunteers was largely exclusive to the CGL policy. This endorsement, along with others in the CG 34 series, helps to provide similar protection under other specified liability coverages.

Key information for agents and underwriters

• Identifying Need: Agents should proactively discuss volunteer activities with clients, especially those with products or completed operations exposures, to determine if this endorsement is necessary. Many organizations, particularly non-profits, heavily rely on volunteers.
• Risk Assessment: Underwriters should evaluate the nature and extent of volunteer involvement in the insured's products or completed operations. This includes the types of duties performed, training provided, and supervision in place.
• Coverage Clarification: This endorsement helps to explicitly define coverage for volunteers, reducing ambiguity that might exist if relying solely on the unendorsed Products/Completed Operations forms.
• Complementary Coverage: While the CGL form might provide some coverage for volunteers, this endorsement specifically addresses their status under the Products/Completed Operations forms, which have a different focus of coverage.
• Edition Date: The current edition date for this form is 12 19, reflecting the updates made by ISO in December 2019.