CGL Coverage Forms

CG 00 01

The core ISO CGL form, written on an occurrence basis. Covers bodily injury/property damage that occurs during the policy period, regardless of when the claim is filed.

CG 00 02

Claims Made - Coverage triggers when a claim is first reported during the policy period (subject to a retroactive date), not when the injury or damage actually occurred.

CG 00 03

Owners and Contractors Protective Liability - Protects an owner or general contractor against liability arising from work performed on their behalf by an independent contractor.

CG 00 04

Railroad Protective Liability - Specialized coverage required for construction or demolition operations performed on or near railroad property.

CG 20 01

Primary and Noncontributory – Other Insurance Condition - Makes the named insured's coverage primary and noncontributory relative to an additional insured's own policy, when required by written contract.

CG 20 10

Add'l Insured – Owners, Lessees or Contractors (Ongoing Ops) - Adds a party as an additional insured for liability arising from the named insured's ongoing operations performed for that party.

CG 20 11

Add'l Insured – Managers or Lessors of Premises - Adds a property manager or lessor as an additional insured for liability arising from ownership, maintenance, or use of the premises leased to the named insured.

CG 20 26

Add'l Insured – Designated Person or Organization - A broad-form additional insured endorsement naming a specific scheduled party, without requiring a written-contract trigger.

CG 20 33

Add'l Insured – Automatic Status (Owners/Lessees/Contractors) - Automatically extends additional insured status to any party the named insured agrees to add in a written contract, without needing to schedule each one.

CG 20 37

Add'l Insured – Owners, Lessees or Contractors (Completed Ops) - Extends additional insured status to cover liability arising from the named insured's completed operations performed for that party.

CG 20 38

Add'l Insured – Automatic Status for Other Parties - Similar to CG 20 33, but broadens automatic additional insured status to further categories of parties required by written contract.

CG 21 06

Exclusion – Pollution - Excludes bodily injury and property damage arising out of the actual, alleged, or threatened discharge, dispersal, release, or escape of pollutants.

CG 21 47

Employment-Related Practices Exclusion - Excludes claims arising from employment-related wrongful acts such as discrimination, harassment, demotion, or wrongful termination.

CG 22 79

Exclusion – Contractors Professional Liability - Precludes coverage for contractors who also render professional services, such as architectural, engineering, or design/build work.

CG 24 04

Waiver of Transfer of Rights of Recovery - Waives the insurer's subrogation rights against a party the named insured has agreed, by contract, not to sue (waiver of subrogation).

CG 25 03

Designated Location(s) General Aggregate Limit - Applies a separate general aggregate limit to each designated location scheduled on the endorsement, rather than one limit for the whole policy.

CG 25 04

Designated Construction Project(s) Aggregate Limit - Applies a separate general aggregate limit to each designated construction project scheduled on the endorsement.

CG 23 04

Hired Auto and Non-Owned Auto Liability - Extends limited auto liability coverage under the CGL policy to hired and non-owned autos used in connection with the insured's business.

CG 28 31

Amendment of Limits of Insurance (Fire Legal Liability) - Modifies or adds a separate limit applicable to fire legal liability (damage to premises rented to the insured) coverage.

CU 00 01

Commercial Umbrella Liability Coverage Form - ISO's umbrella form that sits excess of the CGL (and other underlying) policies, following form and dropping down when underlying limits or aggregates erode.

CG 01 XX

State Amendatory Endorsements - A series of state-specific endorsements (numbering varies by state) that modify standard CGL form language to comply with local statutes and regulations.