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  "id": "iso-cg-20-10-04-13",
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  "contentVersion": "2026.08.31",
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  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
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  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "ISO form CG 20 10, edition 04 13, Additional Insured - Owners, Lessees Or Contractors - Scheduled Person Or Organization",
  "publisher": "Insurance Services Office, Inc. (form text), posted by the Independent Insurance Agents of Texas",
  "url": "https://www.iiat.org/uploads/files/general/InfoCentral/Commercial-GL/cg2010.pdf",
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  "sourceType": "policy-form",
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  "jurisdiction": "n/a",
  "publishedDate": "unknown",
  "effectiveDate": "n/a",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "ISO revises commercial general liability endorsement editions periodically; the 12 19 edition is later than this one.",
  "status": "active",
  "supportsClaims": [
    {
      "claimId": "iso-cg-20-10-04-13#c1",
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      "checksum": "fad6055ae4f3",
      "text": "The form carries the designation CG 20 10 04 13 and the footer 'Insurance Services Office, Inc., 2012'."
    },
    {
      "claimId": "iso-cg-20-10-04-13#c2",
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      "checksum": "e8f1869223a1",
      "text": "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.'"
    },
    {
      "claimId": "iso-cg-20-10-04-13#c3",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-20-10-04-13#c3",
      "checksum": "12354109aa02",
      "text": "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.'"
    },
    {
      "claimId": "iso-cg-20-10-04-13#c4",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-20-10-04-13#c4",
      "checksum": "6e1f59e9e478",
      "text": "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."
    },
    {
      "claimId": "iso-cg-20-10-04-13#c5",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-20-10-04-13#c5",
      "checksum": "539c82de65c7",
      "text": "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."
    },
    {
      "claimId": "iso-cg-20-10-04-13#c6",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-20-10-04-13#c6",
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      "text": "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."
    },
    {
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      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-20-10-04-13#c7",
      "checksum": "a45d70be1808",
      "text": "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."
    }
  ],
  "reliedOnBy": [
    {
      "kind": "Question",
      "title": "When can a contract require additional insured status?",
      "url": "https://bestinsuranceresearch.com/questions/contract-additional-insured-status"
    },
    {
      "kind": "Coverage",
      "title": "Commercial General Liability (CGL)",
      "url": "https://bestinsuranceresearch.com/insurance/commercial-general-liability"
    },
    {
      "kind": "Example",
      "title": "Reading CG 20 10, CG 20 37 and CG 20 01 to see why one contract sentence usually asks for three separate endorsements",
      "url": "https://bestinsuranceresearch.com/examples/additional-insured-takes-three-endorsements"
    },
    {
      "kind": "Module",
      "title": "Contract Insurance Requirements (3 checks)",
      "url": "https://bestinsuranceresearch.com/tools/contract-requirements"
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  ],
  "reliedOnByCount": 4,
  "citation": {
    "text": "Insurance Services Office, Inc. (form text), posted by the Independent Insurance Agents of Texas. \"ISO form CG 20 10, edition 04 13, Additional Insured - Owners, Lessees Or Contractors - Scheduled Person Or Organization.\" unknown. https://www.iiat.org/uploads/files/general/InfoCentral/Commercial-GL/cg2010.pdf (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record iso-cg-20-10-04-13, content version 2026.08.31. https://bestinsuranceresearch.com/sources/iso-cg-20-10-04-13",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
  }
}