CG 20 26
The standard ISO additional insured endorsement for designated persons or organizations, providing broad ongoing operations coverage without a project limitation.
What It Is
CG 20 26, titled "Additional Insured — Designated Person or Organization," is an ISO endorsement that adds an additional insured to the CGL policy without the project-specific or operations-specific limitations found in CG 20 10. It provides coverage for the additional insured for liability arising out of the named insured's operations or premises.
Unlike CG 20 10, which is tied to the named insured's ongoing operations performed for the additional insured, CG 20 26 provides broader additional insured status that is not limited to a specific project, job, or contract. This makes it commonly used in non-construction contexts, such as landlord-tenant relationships, vendor agreements, and franchise arrangements.
The CG 20 26 form has undergone several editions, and like other AI endorsements, the coverage scope varies by edition date. Brokers should verify the edition and confirm it meets the contractual requirements.
Why It Matters for Brokers
CG 20 26 is the appropriate endorsement for many non-construction additional insured requirements, but brokers often default to requesting CG 20 10 for every situation. Using CG 20 10 when CG 20 26 is more appropriate can create coverage gaps — for example, if a landlord needs AI coverage for all of a tenant's operations on the premises, not just work performed 'for' the landlord. Conversely, some contracts specifically require CG 20 10 or CG 20 26 by name, and using the wrong form is a compliance failure.
Real-World Example
A commercial landlord leases a 15,000 sq. ft. warehouse to a distribution company. The lease requires the tenant to name the landlord as an additional insured using CG 20 26 07 04. The tenant's broker adds the endorsement, naming the landlord at the specific premises address. When a delivery driver for a third party is injured on the premises due to the tenant's failure to maintain the loading dock, the landlord is covered as an additional insured under the tenant's $1M CGL policy for the $290,000 claim.
Common Mistakes
- 1Using CG 20 10 instead of CG 20 26 for landlord-tenant relationships, which may limit coverage to operations performed 'for' the landlord rather than all operations on the premises.
- 2Not recognizing that CG 20 26 does not include completed operations coverage — it covers ongoing operations only, and a separate endorsement may be needed.
- 3Failing to list the specific premises address on the CG 20 26 schedule, which some carriers require for the endorsement to apply.
How brokerageaudit.com Handles This
Policy Checker identifies CG 20 26 endorsements and verifies the scheduled premises address matches the lease or contract address on file. It recommends CG 20 26 over CG 20 10 for landlord-tenant and vendor relationships based on the contract type. COI Manager maps the endorsement details to the appropriate certificate fields and Description of Operations section.