ContextualUnder reviewcommercial lines CA, TX, GA

When can a contract require additional insured status?

Effective: August 31, 2026
Last reviewed: August 31, 2026
Author: Aaron Bollinger
Reviewer: Brian Bollinger
Sources: 13 records

A contract can ask for additional insured status, but only a change to the insurance policy can grant it. On the standard ISO forms, that change is an additional insured endorsement, which states that Section II - Who Is An Insured is amended to include the person or organization shown in the Schedule [7]. A certificate of insurance is evidence, not coverage: California Insurance Code section 384(a) requires a certificate provided in lieu of an actual copy of the policy to carry statements, or words to the effect, that it is not an insurance policy and does not amend, extend or alter the coverage afforded [1], and the Texas Department of Insurance says the Additional Insured box should be checked only where the policy includes an endorsement naming the certificate holder [5]. For California construction contracts and amendments entered into on or after January 1, 2013, Civil Code section 2782.05(a) voids a subcontractor insure-or-indemnify clause to the extent the claims relate to the upstream party's active negligence or willful misconduct, while subdivision (b)(6) expressly excepts a provision requiring the promisor to buy insurance covering the promisor's own acts or omissions, including additional insurance endorsements for ongoing and completed operations [3]. Whether your particular clause is enforceable and what it obligates you to do is a legal question for a lawyer, not an insurance answer.

What this assumes

The question is about United States commercial liability insurance, mainly commercial general liability and workers compensation, not health or life insurance.
You are a party to a written contract or are being asked to sign one, such as a construction subcontract, a commercial lease, a service agreement, or a public agency contract.
The liability coverage is written on a standard ISO-based commercial general liability form, not a manuscript or surplus lines form with unique wording.
No specific contract, policy, endorsement, or claim is being evaluated here. Nothing below is a coverage determination, an eligibility verdict, or legal advice.
California is the state of interest for the anti-indemnity discussion. Texas and Georgia appear only as comparative examples of how certificate rules differ by state.

Why this is the answer

A contract clause and an insurance policy are two different documents, and only one of them can change coverage. On standard ISO-based forms, the document that changes the policy is the endorsement: CG 20 10 12 19 states that Section II - Who Is An Insured 'is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule' [7]. A certificate does not do that work. Texas Insurance Code section 1811.051(a) prohibits an insurer or agent from issuing a certificate that alters, amends, or extends the coverage or terms and conditions of the referenced policy, and section 1811.051(b) provides that a certificate 'may not convey a contractual right to a certificate holder' [4]. The Texas Department of Insurance puts the practical version plainly: a certificate cannot name the holder as an additional insured absent a policy endorsement naming it, although the certificate can state that the policy contains a Blanket Additional Insured endorsement, and the Additional Insured box should be checked only where the policy includes an endorsement naming the certificate holder [5]. So the useful question is never what the certificate says. It is which endorsement was issued, on what form, and in what edition.

Certificate rules differ by state, and the differences are real. California Insurance Code section 384(a) applies to a certificate or verification of insurance provided as evidence of insurance in lieu of an actual copy of the policy, and requires statements, or words to the effect, that the certificate is not an insurance policy and does not amend, extend or alter the coverage afforded by the policies listed, and that notwithstanding any requirement, term, or condition of the contract the certificate pertains to, the insurance is subject to all the terms, exclusions and conditions of the policies. Section 384(b) provides that the section does not apply to a surplus line broker certificate as defined in Section 48 [1]. Georgia's regulator addresses certificates through a bulletin rather than through that statute. Bulletin 21-EX-5 states that certificates must be issued on ACORD or ISO forms or on other forms approved explicitly by the Commissioner, that certificate forms cannot be altered, and that they must contain the disclaimer language the bulletin quotes, which begins 'This certificate of insurance is issued as a matter of information only and confers no rights upon the certificate holder'; the bulletin adds that it is a violation of the law to provide a certificate on an unapproved or altered form or to include information purporting to alter or expand coverage, that it is also a violation of the law to request such a certificate, and that fines can be up to $5,000 for each violation [6]. The two are not interchangeable: section 384 states the wording a covered certificate must carry, in those words or words to the effect of them [1], while the Georgia bulletin also names the forms a certificate may be issued on and forbids altering them [6].

Ongoing operations and completed operations are two different grants, which is why contracts often name two forms. CG 20 10 12 19 covers the additional insured only with respect to liability for 'bodily injury', 'property damage' or 'personal and advertising injury' caused, in whole or in part, by the named insured's acts or omissions or those of persons acting on its behalf, in the performance of ongoing operations for the additional insured at the designated location. That form then adds exclusions removing bodily injury or property damage occurring after all work, including materials, parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed by or on behalf of the additional insured at the location of the covered operations has been completed, or after that portion of 'your work' out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project [7]. CG 20 37 12 19 sits on the other side of that line: it adds the scheduled person or organization only with respect to liability for 'bodily injury' or 'property damage' caused, in whole or in part, by 'your work' at the location designated and described in the Schedule performed for that additional insured and included in the 'products-completed operations hazard' [8]. A contract that wants protection both during the job and after it is finished generally has to ask for both grants. Whether any actual loss falls inside either grant is a coverage question decided by the insurer on the actual policy, and this entry does not answer it.

Primary and non-contributory status and waiver of subrogation are separate asks that need their own policy language. On the standard ISO forms described here, neither comes along automatically with additional insured status; broadened or manuscript endorsements are outside the scope of this entry, so read the endorsements actually attached to your own policy. CG 20 01 04 13 adds language to the Other Insurance Condition that 'supersedes any provision to the contrary', making the insurance primary to and non-contributory with other insurance available to an additional insured, but only provided that '(1) The additional insured is a Named Insured under such other insurance; and (2) You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured' [11]. Waiver of subrogation uses different forms again. On the general liability side, CG 24 04 05 09 adds to Paragraph 8, Transfer Of Rights Of Recovery Against Others To Us, of Section IV - Conditions: 'We waive any right of recovery we may have against the person or organization shown in the Schedule above because of payments we make for injury or damage arising out of your ongoing operations or "your work" done under a contract with that person or organization and included in the "products-completed operations hazard"' [13]. On the workers compensation side, WC 00 03 13 (Ed. 4-84) says the insurer 'will not enforce our right against the person or organization named in the Schedule' and applies 'only to the extent that you perform work under a written contract that requires you to obtain this agreement from us' [12]. The California version, WC 04 03 06 (Ed. 04/84), carries the same waiver sentence plus a requirement to maintain payroll records accurately segregating the remuneration of employees engaged in the scheduled work, and an additional premium stated as a percentage of the California workers compensation premium otherwise due on that remuneration; the percentage is a blank field on the form [13].

California limits how far a construction contract can shift liability, and it treats insurance requirements differently from indemnity. Civil Code section 2782(a) makes void and unenforceable construction contract provisions that purport to indemnify the promisee against liability for damages for death or bodily injury to persons, injury to property, or any other loss, damage or expense arising from the sole negligence or willful misconduct of the promisee or the promisee's agents, servants, or independent contractors who are directly responsible to the promisee, or for defects in design furnished by those persons. The same subdivision provides that the section 'shall not affect the validity of any insurance contract, workers' compensation, or agreement issued by an admitted insurer as defined by the Insurance Code' [2]. Section 2782(b)(2) voids provisions in public agency construction contracts entered into on or after January 1, 2013 that purport to impose on any contractor, subcontractor, or supplier of goods or services, or relieve the public agency from, liability for the active negligence of the public agency, and section 2782(b)(1) states the pre-2013 version of that rule as to the contractor. Section 2782(c)(1) makes parallel provisions unenforceable to the extent of a private owner's active negligence for contracts entered into on or after January 1, 2013, but only where the owner is not acting as a contractor or supplier of materials or equipment to the work [2].

Section 2782.05 reaches subcontracts, and it voids clauses only to the extent stated rather than wholesale. For construction contracts and amendments entered into on or after January 1, 2013, subdivision (a) makes provisions that purport to 'insure or indemnify, including the cost to defend,' a general contractor, construction manager, or other subcontractor by a subcontractor void and unenforceable to the extent the claims arise out of, pertain to, or relate to the active negligence or willful misconduct of that upstream party or its other agents, other servants, or other independent contractors responsible to it, or for defects in design furnished by those persons, or to the extent the claims do not arise out of the scope of work of the subcontractor pursuant to the construction contract [3]. Subdivision (b)(6) then excepts from that prohibition 'a provision in a construction contract that requires the promisor to purchase or maintain insurance covering the acts or omissions of the promisor, including additional insurance endorsements covering the acts or omissions of the promisor during ongoing and completed operations' [3]. Subdivision (b) also excepts Title 7 residential construction, direct contracts with a public agency governed by section 2782(b), direct contracts with a private owner governed by section 2782(c), any wrap-up insurance policy or program, and a cause of action for breach of contract or warranty that exists independently of an indemnity obligation [3]. Subdivision (c) provides that, notwithstanding any choice-of-law rules that would apply the laws of another jurisdiction, the law of California shall apply to every contract to which the section applies [3]. Read together, the statute preserves a category of insurance requirement that the additional insured endorsements are built to satisfy, while cutting back insure-or-indemnify clauses aimed at the upstream party's own active negligence. How that plays out in a specific contract is contract interpretation.

The endorsements also limit themselves from the insurance side. The 12 19 editions of CG 20 10 and CG 20 37 each state that the insurance afforded to the additional insured 'only applies to the extent permitted by law', and that where coverage to the additional insured is required by a contract or agreement it 'will not be broader than that which you are required by the contract or agreement to provide for such additional insured.' Each also caps the amount payable on the additional insured's behalf at the amount required by the contract or the amount available under the applicable limits of insurance, whichever is less, and says the endorsement shall not increase the applicable limits of insurance [7][8]. On these forms, then, a broadly written contract clause does not by itself produce broader coverage, and a vague clause can produce less than either side intended. What a particular clause requires, and whether it is enforceable, is contract interpretation and a legal question for a lawyer.

What changes the answer

Whether an endorsement was actually issued and attached to the policy, as opposed to promised in the contract or shown on a certificate [5][4].
Which endorsement form and edition was used, and whether it grants ongoing operations, completed operations, or both [7][8].
The date the construction contract or amendment was entered into, since January 1, 2013 is the contract-date dividing line in California Civil Code sections 2782(b), 2782(c), and 2782.05(a) [2][3].
Who the upstream party is: a public agency, a private owner not acting as a contractor or supplier of materials or equipment, a general contractor or construction manager, or residential construction subject to Title 7, because different subdivisions and exceptions apply [2][3].
Whether the contract asks in writing for primary and non-contributory coverage and for waiver of subrogation, since CG 20 01 04 13 conditions on a written agreement and WC 00 03 13 applies only to the extent a written contract requires the waiver [11][12].
Which state's law governs the contract, since certificate rules reach the question differently: by statute in California and Texas, and through a commissioner's bulletin in Georgia [1][4][6].

Where it varies by state, form, carrier, or fact

Certificate rules are state-specific and are not interchangeable. California requires statements, or words to the effect of them, of prescribed language on a certificate provided in lieu of an actual policy copy, and does not apply to a surplus line broker certificate as defined in Section 48 [1]. Texas prohibits issuing a certificate that alters, amends, or extends coverage and provides that a certificate may not convey a contractual right to a certificate holder [4]. Georgia's insurance commissioner has issued a bulletin requiring ACORD or ISO forms or forms explicitly approved by the Commissioner, forbidding alteration of certificate forms, quoting the disclaimer language a certificate must contain, treating a request for a non-compliant certificate as a violation, and stating that fines can be up to $5,000 per violation [6].
Edition dates matter, though not always in the way people expect. The 04 13 and 12 19 editions of CG 20 10 both carry the 'only applies to the extent permitted by law' proviso, the 'not broader than' proviso, and the lesser-of-limits cap; what differs is the limits reference, which reads 'Available under the applicable Limits of Insurance shown in the Declarations' in the 04 13 edition and 'Available under the applicable limits of insurance' in the 12 19 edition [9][7]. The same pattern holds for CG 20 37 [10][8]. Read the edition printed on the endorsement you actually have.
Scheduled endorsements name a specific party and location. CG 20 10 12 19 uses a Schedule with columns for 'Name Of Additional Insured Person(s) Or Organization(s)' and 'Location(s) Of Covered Operations' [7]. Blanket endorsements also exist; the Texas Department of Insurance states that a certificate may state that the policy contains a Blanket Additional Insured endorsement instead of naming the holder [5]. This entry does not describe how any particular blanket form operates or whom it reaches, because no form text for one was reviewed here.
Anti-indemnity law is state-specific, and California Civil Code section 2782.05(c) applies California law to every contract to which that section applies notwithstanding choice-of-law rules that would point elsewhere [3]. An identically worded clause can therefore be treated differently in different states.
Whether a carrier will issue a requested endorsement on a particular policy is an underwriting decision made by that carrier, and this entry makes no representation about any carrier's practice or appetite. Separately, California Insurance Code section 384 does not apply to a surplus line broker certificate as defined in Section 48 [1].

Next actions

Ask for copies of the endorsement pages themselves, with form numbers and edition dates, rather than accepting a certificate as proof of additional insured status.
Put the contract's insurance clause next to the endorsements and check each item separately: ongoing operations, completed operations, primary and non-contributory, waiver of subrogation, and the required limits.
Send the insurance and indemnity clauses to your broker before signing, so the broker can ask the carrier what the policy can actually be endorsed to do.
Have a lawyer review the indemnity and insurance provisions, especially for California construction work, and give the lawyer the date the contract was entered into and the identity of the upstream party.
Keep the endorsements with the contract file for the full completed operations tail, not just the current policy year, since completed operations claims can surface long after the work ends.

Source ledger

13 sources. Every citation number above resolves to a record below. Nothing here sits behind an account.

[1]
California Insurance Code Section 384 - statements required on a certificate of insurance(opens the original record on California Legislative Information (California Legislature))
California Legislative Information (California Legislature)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: Amended only by the California Legislature; recheck leginfo for current text.ID ca-ins-code-384
What this source supports (5)
Section 384(a) applies to a certificate of insurance or verification of insurance provided as evidence of insurance in lieu of an actual copy of the insurance policy.
Section 384(a) requires that such a certificate contain the following statements, or words to the effect of, that it is not an insurance policy and does not amend, extend or alter the coverage afforded by the policies listed herein. The statute requires statements to the effect of that language; it does not mandate one exact sentence.
Section 384(a) also requires wording to the effect that, notwithstanding any requirement, term, or condition of any contract or other document with respect to which the certificate or verification may be issued or may pertain, the insurance afforded by the policies described is subject to all the terms, exclusions and conditions of the policies.
Section 384(b) states that the section is not applicable to a surplus line broker certificate as defined in Section 48.
The section page shows the history line: Amended by Stats. 2000, Ch. 135, Sec. 107. Effective January 1, 2001.
Fetched 2026-08-31 from the official leginfo section page and read in full. Confirmed on the page that the statute uses the phrase 'or words to the effect of' and that it applies to a certificate provided 'in lieu of an actual copy of the insurance policy.' Correcting an earlier note: the section page does carry a history line, '(Amended by Stats. 2000, Ch. 135, Sec. 107. Effective January 1, 2001.)', so effectiveDate is set to 2001-01-01, the effective date of the last amendment shown. publishedDate remains unknown because the page gives a statutes chapter year but no publication date, matching how the other leginfo records in this file are handled. Effective: 2001-01-01
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[2]
California Civil Code Section 2782 - void indemnity provisions in construction contracts(opens the original record on California Legislative Information (California Legislature))
California Legislative Information (California Legislature)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: Amended only by the California Legislature; recheck leginfo for current text.ID ca-civ-2782
What this source supports (6)
Section 2782(a) makes void and unenforceable construction contract provisions that purport to indemnify the promisee against liability for damages for death or bodily injury to persons, injury to property, or any other loss, damage or expense arising from the sole negligence or willful misconduct of the promisee or the promisee's agents, servants, or independent contractors who are directly responsible to the promisee, or for defects in design furnished by those persons.
Section 2782(a) further provides that the section shall not affect the validity of any insurance contract, workers' compensation, or agreement issued by an admitted insurer as defined by the Insurance Code.
Section 2782(b)(1) voids provisions in construction contracts with a public agency entered into before January 1, 2013 that purport to impose on the contractor, or relieve the public agency from, liability for the active negligence of the public agency.
Section 2782(b)(2) voids provisions in construction contracts with a public agency entered into on or after January 1, 2013 that purport to impose on any contractor, subcontractor, or supplier of goods or services, or relieve the public agency from, liability for the active negligence of the public agency.
Section 2782(c)(1) makes provisions in construction contracts entered into on or after January 1, 2013 with the owner of privately owned real property to be improved, and as to which the owner is not acting as a contractor or supplier of materials or equipment to the work, unenforceable to the extent of the active negligence of the owner, including that of its employees.
The section page shows the history line: Amended by Stats. 2011, Ch. 707, Sec. 2. (SB 474) Effective January 1, 2012.
Fetched 2026-08-31 from the official leginfo section page; subdivisions (a), (b)(1), (b)(2) and (c)(1) read verbatim, including the admitted-insurer savings clause and the (c)(1) carve-out for an owner not acting as a contractor or supplier of materials or equipment. effectiveDate is the effective date of the last amendment shown on the page (January 1, 2012); January 1, 2013 is a contract-date dividing line inside subdivisions (b) and (c), not the effective date of the section. No subdivision of section 2782 uses the term 'additional insured'. Effective: 2012-01-01
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[3]
California Civil Code Section 2782.05 - limits on subcontractor insure-or-indemnify clauses, with an additional insurance endorsement exception(opens the original record on California Legislative Information (California Legislature))
California Legislative Information (California Legislature)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: Amended only by the California Legislature; recheck leginfo for current text.ID ca-civ-2782-05
What this source supports (8)
Section 2782.05(a) applies, except as provided in subdivision (b), to construction contracts and amendments entered into on or after January 1, 2013.
Section 2782.05(a) makes provisions that purport to insure or indemnify, including the cost to defend, a general contractor, construction manager, or other subcontractor, by a subcontractor, against liability for claims of death or bodily injury to persons, injury to property, or any other loss, damage, or expense void and unenforceable to the extent the claims arise out of, pertain to, or relate to the active negligence or willful misconduct of that general contractor, construction manager, or other subcontractor, or their other agents, other servants, or other independent contractors who are responsible to them, or for defects in design furnished by those persons, or to the extent the claims do not arise out of the scope of work of the subcontractor pursuant to the construction contract. The voiding operates to the extent stated, not as an automatic voiding of the entire clause.
Section 2782.05(b)(1) excepts contracts for residential construction subject to any part of Title 7 (commencing with Section 895) of Part 2 of Division 2.
Section 2782.05(b)(2) excepts direct contracts with a public agency governed by subdivision (b) of Section 2782, and (b)(3) excepts direct contracts with the owner of privately owned real property to be improved that are governed by subdivision (c) of Section 2782.
Section 2782.05(b)(4) excepts any wrap-up insurance policy or program, and (b)(5) excepts a cause of action for breach of contract or warranty that exists independently of an indemnity obligation.
Section 2782.05(b)(6) excepts a provision in a construction contract that requires the promisor to purchase or maintain insurance covering the acts or omissions of the promisor, including additional insurance endorsements covering the acts or omissions of the promisor during ongoing and completed operations.
Section 2782.05(c) provides that, notwithstanding any choice-of-law rules that would apply the laws of another jurisdiction, the law of California shall apply to every contract to which the section applies.
The section page shows the history line: Added by Stats. 2011, Ch. 707, Sec. 3. (SB 474) Effective January 1, 2012.
Fetched 2026-08-31 from the official leginfo section page in two passes: the opening and the closing of subdivision (a) were read verbatim, including the 'to the extent' limiter and the scope-of-work prong, and the full (b)(1) through (b)(6) list and subdivision (c) were read verbatim. effectiveDate is the effective date shown on the page for the section as added; January 1, 2013 is the contract-date trigger inside subdivision (a). Effective: 2012-01-01
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[4]
Texas Insurance Code Section 1811.051 - Altering, Amending, or Extending the Terms of an Insurance Policy; Contractual Rights of Certificate Holder(opens the original record on Public.Law (unofficial reproduction of the Texas Insurance Code))
Public.Law (unofficial reproduction of the Texas Insurance Code)Primary lawPrimaryJurisdiction TXThird-party reproductionLast checked August 31, 2026Updates: Amended only by the Texas Legislature; recheck against statutes.capitol.texas.gov when that site returns statutory text.ID tx-ins-code-1811-051
What this source supports (6)
Section 1811.051(a) provides that a property or casualty insurer or agent may not issue a certificate of insurance or any other type of document purporting to be a certificate of insurance if the certificate or document alters, amends, or extends the coverage or terms and conditions provided by the insurance policy referenced on the certificate or document.
Section 1811.051(b) provides that a certificate of insurance or any other type of document may not convey a contractual right to a certificate holder.
The section is titled 'Altering, Amending, or Extending the Terms of an Insurance Policy; Contractual Rights of Certificate Holder.'
The page carries the history note: Added by Acts 2011, 82nd Leg., R.S., Ch. 1212 (S.B. 425), Sec. 1, eff. September 1, 2011.
A property or casualty insurer or agent may not issue a certificate of insurance or any other type of document purporting to be a certificate of insurance if the certificate or document alters, amends, or extends the coverage or terms and conditions provided by the insurance policy referenced on the certificate or document.
A certificate of insurance or any other type of document may not convey a contractual right to a certificate holder.
Unofficial host. Public.Law is an independent private publisher, not the Texas Legislature; the official citation is Tex. Ins. Code Sec. 1811.051. Fetched 2026-08-31 and read subsections (a) and (b) verbatim along with the history note. The official page at https://statutes.capitol.texas.gov/Docs/IN/htm/IN.1811.htm was retested on 2026-08-31 and returned only site navigation rather than statutory text, which is why this reproduction is cited. primary is set to false because this is a secondary reproduction of primary law. Published: 2011-09-01 Effective: 2011-09-01
ActiveReproduction
[5]
Certificates of Insurance Frequently Asked Questions(opens the original record on Texas Department of Insurance)
Texas Department of InsuranceRegulatorPrimaryJurisdiction TXLast checked August 31, 2026Updates: Revised by TDI as the agency updates its guidance; the page displays its own last-updated date.ID tdi-certificates-of-insurance-faq
What this source supports (4)
TDI answers 'No' to whether a certificate holder can be named as an additional insured on the certificate absent a policy endorsement naming it, adding that the certificate can state that the policy contains a Blanket Additional Insured endorsement.
TDI states that you should check the 'Additional Insured' box if the policy includes an endorsement that names the certificate holder as an additional insured.
TDI states that a certificate holder may not use the 'Certificate Holder' box to imply or confer any new or additional rights beyond what the policy or any executed endorsement of insurance provides.
TDI states that certificates cannot say anything on them that is not the same as what is stated in the insurance policy.
Fetched 2026-08-31. The page displays 'Last updated: 10/31/2022', which is recorded as publishedDate. The four claims correspond to numbered FAQ items 1, 15, 19 and 26. The page does not describe how any particular blanket additional insured form operates or to whom it extends status. Published: 2022-10-31
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[6]
Bulletin 21-EX-5: Certificates of Insurance(opens the original record on Georgia Office of Commissioner of Insurance and Safety Fire)
Georgia Office of Commissioner of Insurance and Safety FireRegulatorPrimaryJurisdiction GALast checked August 31, 2026Updates: Superseded only if the Commissioner issues a replacement bulletin.ID ga-oci-bulletin-21-ex-5
What this source supports (5)
The bulletin states that a certificate is not an insurance policy and cannot be used to alter or expand coverage.
The bulletin states that certificates must be issued on ACORD or ISO forms or on other forms approved explicitly by the Commissioner of Insurance, that certificate forms cannot be altered, and that they must contain this disclaimer language: 'This certificate of insurance is issued as a matter of information only and confers no rights upon the certificate holder. This certificate does not amend, extend or alter the coverage, terms exclusions and conditions afforded by the policies referenced herein.'
The bulletin states that it is a violation of the law to provide a certificate on an unapproved or altered form or to include information on a certificate that purports to alter or expand coverage, that it is also a violation of the law to request such a certificate, and that fines can be up to $5,000 for each violation of the law.
The bulletin quotes the statutory definition of a certificate of insurance at OCGA section 33-24-19.1(a)(1) as any document or instrument, no matter how titled or described, prepared or issued by an insurer or insurance producer as evidence of property or casualty insurance coverage, excluding a policy of insurance or insurance binder and any insurance information card or identification card issued in conjunction with a motor vehicle insurance policy.
The bulletin states that the law governing certificates and relevant regulations applies to all certificate holders, to those who request certificates be issued, and to policyholders, insurers, insurance producers, and certificate forms issued as evidence of coverage on property, operations, or risks located in Georgia, regardless of where those parties are located.
Downloaded 2026-08-31; the URL returns a PDF, which was converted with pdftotext -layout and read in full. The bulletin is dated MARCH 11, 2021, is addressed to all Georgia insurers, agents, policyholders and certificate of insurance holders, and is from John F. King, Insurance and Safety Fire Commissioner. All quoted language above was read verbatim from the extracted text. Published: 2021-03-11 Effective: 2021-03-11
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[7]
ISO form CG 20 10, edition 12 19, Additional Insured - Owners, Lessees Or Contractors - Scheduled Person Or Organization(opens the original record on Insurance Services Office, Inc. (form text), posted by the New York State Office of General Services)
Insurance Services Office, Inc. (form text), posted by the New York State Office of General ServicesStandards bodyPrimaryJurisdiction n/aLast checked August 31, 2026Updates: ISO revises commercial general liability endorsement editions periodically; a later edition may supersede the 12 19 edition.ID iso-cg-20-10-12-19
What this source supports (6)
The form carries the designation CG 20 10 12 19, modifies insurance provided under the Commercial General Liability Coverage Part, and carries the footer 'Insurance Services Office, Inc., 2018'.
Paragraph A states that Section II - Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for 'bodily injury', 'property damage' or 'personal and advertising injury' caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf, in the performance of your ongoing operations for the additional insured(s) at the location(s) designated above.
Paragraph A adds two provisos: the insurance afforded to such additional insured 'only applies to the extent permitted by law'; and if coverage provided to the additional insured is required by a contract or agreement, the insurance afforded 'will not be broader than that which you are required by the contract or agreement to provide for such additional insured.'
Paragraph B adds exclusions stating that this insurance does not apply to 'bodily injury' or 'property damage' occurring after (1) all work, including materials, parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed by or on behalf of the additional insured(s) at the location of the covered operations has been completed, or (2) that portion of 'your work' out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project.
Paragraph C provides that where coverage to the additional insured is required by a contract or agreement, the most the insurer will pay on behalf of the additional insured is the amount of insurance required by the contract or agreement, or available under the applicable limits of insurance, whichever is less, and that the endorsement shall not increase the applicable limits of insurance.
The Schedule has two columns: 'Name Of Additional Insured Person(s) Or Organization(s)' and 'Location(s) Of Covered Operations'.
Downloaded 2026-08-31; the URL returns a PDF, converted with pdftotext -layout and read in full (two pages). This is a clean, unaltered reproduction of the ISO form; the posting agency is New York State OGS, not ISO. The edition designation gives month and year (12 19) but no day, so publishedDate is left unknown rather than asserting a day the form does not state. In the extracted text the form's section dash renders as an en dash; it is written here as an ASCII hyphen.
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[8]
ISO form CG 20 37, edition 12 19, Additional Insured - Owners, Lessees Or Contractors - Completed Operations(opens the original record on Insurance Services Office, Inc. (form text), posted by the New York State Office of General Services)
Insurance Services Office, Inc. (form text), posted by the New York State Office of General ServicesStandards bodyPrimaryJurisdiction n/aLast checked August 31, 2026Updates: ISO revises commercial general liability endorsement editions periodically; a later edition may supersede the 12 19 edition.ID iso-cg-20-37-12-19
What this source supports (5)
The form carries the designation CG 20 37 12 19, is titled 'Additional Insured - Owners, Lessees Or Contractors - Completed Operations', modifies insurance provided under both the Commercial General Liability Coverage Part and the Products/Completed Operations Liability Coverage Part, and carries the footer 'Insurance Services Office, Inc., 2018'.
Paragraph A states that Section II - Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for 'bodily injury' or 'property damage' caused, in whole or in part, by 'your work' at the location designated and described in the Schedule of the endorsement performed for that additional insured and included in the 'products-completed operations hazard'.
Paragraph A adds two provisos: the insurance afforded to such additional insured 'only applies to the extent permitted by law'; and if coverage provided to the additional insured is required by a contract or agreement, the insurance afforded 'will not be broader than that which you are required by the contract or agreement to provide for such additional insured.'
Paragraph B provides that where coverage to the additional insured is required by a contract or agreement, the most the insurer will pay on behalf of the additional insured is the amount of insurance required by the contract or agreement, or available under the applicable limits of insurance, whichever is less, and that the endorsement shall not increase the applicable limits of insurance.
The Schedule has two columns: 'Name Of Additional Insured Person(s) Or Organization(s)' and 'Location And Description Of Completed Operations'.
Downloaded 2026-08-31; the URL returns a one-page PDF, converted with pdftotext -layout and read in full. Clean, unaltered reproduction; posted by New York State OGS, not by ISO. The edition designation gives month and year only, so publishedDate is left unknown. A prior draft listed a claim that the two grants are distinct; that is an inference drawn by comparing this form with CG 20 10 and is not text printed on either form, so it has been removed from this source's claims.
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[9]
ISO form CG 20 10, edition 04 13, Additional Insured - Owners, Lessees Or Contractors - Scheduled Person Or Organization(opens the original record on Insurance Services Office, Inc. (form text), posted by the Independent Insurance Agents of Texas)
Insurance Services Office, Inc. (form text), posted by the Independent Insurance Agents of TexasStandards bodyPrimaryJurisdiction n/aLast checked August 31, 2026Updates: ISO revises commercial general liability endorsement editions periodically; the 12 19 edition is later than this one.ID iso-cg-20-10-04-13
What this source supports (7)
The form carries the designation CG 20 10 04 13 and the footer 'Insurance Services Office, Inc., 2012'.
The 04 13 edition already contains both Paragraph A provisos found in the 12 19 edition: that the insurance afforded to such additional insured 'only applies to the extent permitted by law', and that where coverage is required by a contract or agreement the insurance 'will not be broader than that which you are required by the contract or agreement to provide for such additional insured.'
The 04 13 edition contains the same two Paragraph B post-completion exclusions and the same Paragraph C lesser-of cap structure as the 12 19 edition, with a different limits reference: 04 13 reads 'Available under the applicable Limits of Insurance shown in the Declarations' and 'This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.'
CG 20 10 04 13 states that Section II Who Is An Insured is amended to include as an additional insured the person or organization shown in its Schedule, but only with respect to liability for bodily injury, property damage or personal and advertising injury caused, in whole or in part, by the named insured's acts or omissions or the acts or omissions of those acting on the named insured's behalf, in the performance of the named insured's ongoing operations for the additional insured at the location designated in the Schedule.
The endorsement states that the insurance afforded to such additional insured only applies to the extent permitted by law, and that if coverage provided to the additional insured is required by a contract or agreement, the insurance afforded will not be broader than that which the named insured is required by the contract or agreement to provide.
The endorsement adds exclusions applicable to the additional insured for bodily injury or property damage occurring after all work on the project at the location of the covered operations has been completed, or after that portion of the named insured's work out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project.
The endorsement adds to Section III Limits Of Insurance that where coverage provided to the additional insured is required by a contract or agreement, the most the insurer will pay on behalf of the additional insured is the amount of insurance required by the contract or agreement, or the amount available under the applicable Limits of Insurance shown in the Declarations, whichever is less, and that the endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.
Downloaded 2026-08-31; the URL returns a PDF, converted with pdftotext -layout and read in full (two pages). Clean, unaltered reproduction. The posting organization is a state agents trade association, not ISO. Cited only to support the edition-to-edition comparison in the variability section; the edition designation gives month and year only, so publishedDate is left unknown. Published: 2013-04
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[10]
ISO form CG 20 37, edition 04 13, Additional Insured - Owners, Lessees Or Contractors - Completed Operations(opens the original record on Insurance Services Office, Inc. (form text), posted by the Independent Insurance Agents of Texas)
Insurance Services Office, Inc. (form text), posted by the Independent Insurance Agents of TexasStandards bodyPrimaryJurisdiction n/aLast checked August 31, 2026Updates: ISO revises commercial general liability endorsement editions periodically; the 12 19 edition is later than this one.ID iso-cg-20-37-04-13
What this source supports (6)
The form carries the designation CG 20 37 04 13 and the footer 'Insurance Services Office, Inc., 2012'.
The 04 13 edition already contains both Paragraph A provisos found in the 12 19 edition: that the insurance afforded to such additional insured 'only applies to the extent permitted by law', and that where coverage is required by a contract or agreement the insurance 'will not be broader than that which you are required by the contract or agreement to provide for such additional insured.'
The 04 13 edition contains the same Paragraph B lesser-of cap structure as the 12 19 edition, with a different limits reference: 04 13 reads 'Available under the applicable Limits of Insurance shown in the Declarations' and 'This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.'
CG 20 37 04 13 states that Section II Who Is An Insured is amended to include as an additional insured the person or organization shown in its Schedule, but only with respect to liability for bodily injury or property damage caused, in whole or in part, by the named insured's work at the location designated and described in the Schedule of the endorsement and included in the products-completed operations hazard.
The endorsement states that the insurance afforded to such additional insured only applies to the extent permitted by law, and that if coverage provided to the additional insured is required by a contract or agreement, the insurance afforded will not be broader than that which the named insured is required by the contract or agreement to provide.
The endorsement adds to Section III Limits Of Insurance that where coverage provided to the additional insured is required by a contract or agreement, the most the insurer will pay on behalf of the additional insured is the amount of insurance required by the contract or agreement, or the amount available under the applicable Limits of Insurance shown in the Declarations, whichever is less, and that the endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.
Downloaded 2026-08-31; the URL returns a one-page PDF, converted with pdftotext -layout and read in full. Clean, unaltered reproduction. The posting organization is a state agents trade association, not ISO. Cited only to support the edition-to-edition comparison in the variability section. Published: 2013-04
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[11]
ISO form CG 20 01, edition 04 13, Primary And Noncontributory - Other Insurance Condition(opens the original record on Insurance Services Office, Inc. (form text), posted by the Independent Insurance Agents of Texas)
Insurance Services Office, Inc. (form text), posted by the Independent Insurance Agents of TexasStandards bodyPrimaryJurisdiction n/aLast checked August 31, 2026Updates: ISO revises commercial general liability endorsement editions periodically; a later edition may supersede the 04 13 edition.ID iso-cg-20-01-04-13
What this source supports (6)
The form carries the designation CG 20 01 04 13, is titled 'Primary And Noncontributory - Other Insurance Condition', modifies insurance provided under the Commercial General Liability Coverage Part and the Products/Completed Operations Liability Coverage Part, and carries the footer 'Insurance Services Office, Inc., 2012'.
The form states that the following is added to the Other Insurance Condition 'and supersedes any provision to the contrary'.
The added language reads: 'This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: (1) The additional insured is a Named Insured under such other insurance; and (2) You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured.'
CG 20 01 04 13 is a separate endorsement from the additional insured endorsements CG 20 10 and CG 20 37.
CG 20 01 04 13 is titled Primary And Noncontributory - Other Insurance Condition and modifies the Commercial General Liability Coverage Part and the Products/Completed Operations Liability Coverage Part.
The endorsement adds to the Other Insurance Condition, and supersedes any provision to the contrary, that this insurance is primary to and will not seek contribution from any other insurance available to an additional insured under the policy, provided that the additional insured is a Named Insured under such other insurance and the named insured has agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured.
Downloaded 2026-08-31; the URL returns a one-page PDF, converted with pdftotext -layout and read in full. Clean, unaltered reproduction of the ISO form; the posting organization is a state agents trade association, not ISO. This replaces an earlier draft citation to a City of Hayward sample copy of the same form, which was a municipal sample rather than a clean form reproduction and which had been used to support a generalization about California public agencies that a single city sample cannot carry. Published: 2013-04
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Form WC 00 03 13 (Ed. 4-84), Waiver Of Our Right To Recover From Others Endorsement(opens the original record on National Council on Compensation Insurance (form text), posted by the Wisconsin Compensation Rating Bureau)
National Council on Compensation Insurance (form text), posted by the Wisconsin Compensation Rating BureauStandards bodyPrimaryJurisdiction n/aLast checked August 31, 2026Updates: The underlying form is maintained by its filer; rating bureau postings change as filings change.ID wcrb-wc-00-03-13
What this source supports (4)
The form is designated WC 00 03 13 (Ed. 4-84), attaches to a Workers Compensation and Employers Liability Insurance Policy, and carries the footer '1983 National Council on Compensation Insurance.'
The form reads: 'We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.)'
The form also states: 'This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule.'
The form contains a Schedule in which the person or organization is named.
Downloaded 2026-08-31; the URL returns a one-page PDF, converted with pdftotext -layout and read in full. This is a clean, unaltered copy of the national workers compensation waiver endorsement, used in place of a municipal sample packet copy for better provenance on this form's text. The Wisconsin Compensation Rating Bureau is the posting organization, not the form's filer.
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[13]
Acceptable Waiver Of Subrogation Endorsements (municipal sample packet reproducing CG 24 04 05 09 and WC 04 03 06)(opens the original record on City of Sierra Madre, California)
City of Sierra Madre, CaliforniaSecondarySecondaryJurisdiction CALast checked August 31, 2026Updates: The city may revise its sample packet at any time; the underlying forms are revised by their own filers.ID sierra-madre-waiver-of-subrogation-sample-packet
What this source supports (3)
The packet reproduces ISO form CG 24 04 05 09, 'Waiver Of Transfer Of Rights Of Recovery Against Others To Us', which adds the following to Paragraph 8, Transfer Of Rights Of Recovery Against Others To Us, of Section IV - Conditions: 'We waive any right of recovery we may have against the person or organization shown in the Schedule above because of payments we make for injury or damage arising out of your ongoing operations or "your work" done under a contract with that person or organization and included in the "products-completed operations hazard". This waiver applies only to the person or organization shown in the Schedule above.' The reproduced form carries the footer 'Insurance Services Office, Inc., 2008'.
The packet reproduces form WC 04 03 06 (Ed. 04/84), 'Waiver Of Our Right To Recover From Others Endorsement - California', which carries the same waiver sentence as WC 00 03 13 and adds: 'You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule' and 'The additional premium for this endorsement shall be _____% of the California workers compensation premium otherwise due on such remuneration.' The percentage is a blank field on the form; no figure is stated.
The packet presents waiver of subrogation endorsements under their own heading, separate from additional insured endorsements, and describes CG 24 04 as providing 'a specific waiver of subrogation for the designated person or organization, barring suit by the company which assumes the insured's rights after loss payment.'
Downloaded 2026-08-31; converted with pdftotext -layout and read. This is a municipal sample packet, not a standards-body publication: every reproduced form is overprinted with the word SAMPLE and has 'City of Sierra Madre' inserted into the Schedule, and the overprint leaves visible artifacts in the extracted text. authorityLevel is therefore 'secondary' and primary is false. It is cited here only for the text of CG 24 04 05 09 and WC 04 03 06, for which no cleaner accessible copy was located on 2026-08-31; WC 00 03 13 is cited instead to a clean rating bureau copy. A cleaner filing-repository or regulator posting for these two forms would be a worthwhile replacement.
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BestInsurance Research. "When can a contract require additional insured status?." WJB Services, Inc. dba Bollinsure Insurance Services. Published August 31, 2026. Last reviewed August 31, 2026. Content version 2026.08.31. https://bestinsuranceresearch.com/questions/contract-additional-insured-status

BibTeX

@misc{bir-contract-additional-insured-status-2026,
  title        = {When can a contract require additional insured status?},
  author       = {Aaron Bollinger},
  organization = {BestInsurance Research},
  institution  = {WJB Services, Inc. dba Bollinsure Insurance Services},
  year         = {2026},
  month        = {08},
  note         = {Last reviewed August 31, 2026; content version 2026.08.31},
  howpublished = {\url{https://bestinsuranceresearch.com/questions/contract-additional-insured-status}},
  urldate      = {2026-08-31}
}

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Machine-readable record for this page: /questions/contract-additional-insured-status.json

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A licensed broker can ask the carrier whether the endorsement a contract demands is available on the actual policy, request it, and produce the endorsement pages instead of a certificate. A broker cannot tell you whether a contract clause is enforceable or what it legally obligates you to do; that is contract interpretation and belongs with a lawyer. For a construction contract with an indemnity clause, the useful handoff is usually to both.

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