CASUALTY PROVISIONS · 6 MIN READ

Endorsements That Reshape the CGL

ISO's endorsement library can widen or gut the CGL, and the exam expects you to know the headline forms by function. On the additional-insured side, CG 20 10 grants an upstream party status for the named insured's ongoing operations and CG 20 37 extends it into completed operations. CG 20 33 grants automatic status where a written contract requires it, but only to the party the insured contracted with; CG 20 38 goes further, extending automatic status both to the contracting party and to any other person or organization the written contract requires the insured to add — capturing upstream owners without separate scheduling. CG 20 15 covers vendors selling the manufacturer's product, but its carve-outs remove coverage when the vendor changes, repackages, improperly assembles, or relabels the product. CG 24 04 waives the insurer's subrogation rights against scheduled parties, and aggregate endorsements CG 25 03 and CG 25 04 give each designated project or location its own general aggregate — while never multiplying the products-completed operations aggregate. Exclusion endorsements move coverage the other way. CG 21 47 sweeps employment-related practices out of Coverages A and B. CG 21 04 replaces the watercraft exclusion and deletes the under-26-foot exception. The professional-services family — construction management errors and omissions, contractors professional liability for architects, engineers, and surveyors, and the schedule-driven designated professional services exclusion — strips professional exposures (shop-drawing review, scheduling, inspection, misdiagnosis by a scheduled profession) out of the CGL and forces a separate E&O placement. CG 22 28 confines the entire policy to scheduled premises or projects, defeating claims from unlisted locations. Pollution, fungi and bacteria, silica, asbestos, and terrorism-cap endorsements narrow their subject perils, and the historical Y2K exclusion still bars long-tail date-failure claims on the occurrence policies it was attached to, since it has no temporal cutoff. A final family recalibrates conditions and definitions. CG 24 26 narrows the insured contract tort-assumption category to liability of a third party, aligning coverage with anti-indemnity statutes. CG 30 14 defines whose knowledge starts the notice clock, protecting large organizations when field employees sit on incident information. The deductible liability endorsement imposes per-claim or per-occurrence deductibles, and stop-gap employers liability adds Coverage B protection for monopolistic-state employers. When reading any endorsement question, the discipline is the same: identify what the base form did, then what the endorsement adds, deletes, or replaces.