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POLICY NUMBER: 7 COMMERCIAL GENERAL LIABILITY. CG 20 26 07 04. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CARFULLY.

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A significant difference between the CG 20 10 and CG 20 33, is CG 20 33's requirement that there must be a written contract or agreement between the additional insured and the named insured. As a way to explain the significance of the written contract requirement, imagine a custom home building project.

Certificate holders possess proof of insurance on commercial general liability policies, while additional insureds are other parties that coverage has been extended to, beyond the initial policyholders.

The difference is that additional insureds receive only liability protection whereas loss payees receive only property damage coverage. Another key difference is that additional insureds cannot receive payments for other liability claims involving the property, only matters in which they have a direct interest.

ADDITIONAL INSURED – DESIGNATED PERSON OR ORGANIZATION. This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART.

To address the CG 20 10's gap in completed operations coverage after 1985, the Insurance Service Office (ISO) created CG 20 37 Additional Insured – Owners, Lessees or Contractors – Completed Operations. As the name implies, this endorsement provides coverage to the additional insured for completed operations.

The standard Amendment of Insured Contract Definition commercial general liability (CGL) endorsement (CG 24 26) alters the policy's definition of "insured contract" to require that the injury or damage for which coverage is sought was caused "in whole or in part" by the named insured or those acting for it.

What Is Commercial General Liability (CGL)? Commercial general liability (CGL) is a type of insurance policy that provides coverage to a business for bodily injury, personal injury, and property damage caused by the business's operations, products, or injuries that occur on the business's premises.

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