Common Industry Standard Endorsements

When required, please provide an ISO insurance endorsement or an equivalent form of coverage.  

Additional Insured Endorsements 

• CG 20 10: Additional Insured – Owners, Lessees, or Contractors – Scheduled Person or Organization 

• Grants additional insured status to a specified entity for ongoing operations. 

• CG 20 37: Additional Insured – Owners, Lessees, or Contractors – Completed Operations 

• Provides additional insured coverage for completed work. 

• CG 20 26: Additional Insured – Designated Person or Organization 

• Adds a specific entity as an additional insured for liability coverage. 

Waiver of Subrogation Endorsements 

• CG 24 04: Waiver of Transfer of Rights of Recovery Against Others to Us 

• Prevents the insurer from seeking reimbursement from specified third parties. 

• WC 00 03 13: Waiver of Our Right to Recover from Others Endorsement (for Workers’ Compensation) 

• Applies waiver of subrogation for workers’ compensation policies. 

Primary and Non-Contributory Endorsements 

• CG 20 01: Primary and Non-Contributory – Other Insurance Condition 

• Establishes that the additional insured’s coverage will respond first, without requiring contributions from their other insurance policies. 

Blanket Additional Insured Endorsements 

• CG 20 33: Additional Insured – Owners, Lessees, or Contractors – Automatic Status When Required in Agreement with You 

• Automatically grants additional insured status to any entity required under a contract. 

• CG 20 38: Additional Insured – Owners, Lessees, or Contractors – Automatic Status for Ongoing Operations 

• Extends automatic additional insured status to entities listed in a contractual agreement. 

Umbrella or Excess Liability Endorsements 

• CU 20 27: Additional Insured – Owners, Lessees, or Contractors (for Umbrella Policies) 

• Adds additional insured status to umbrella or excess liability policies. 

• CU 24 04: Waiver of Transfer of Rights of Recovery Against Others to Us (for Umbrella Policies) 

• Waiver of subrogation for umbrella policies. 

State-Specific Endorsements 

• WC 00 03 01A: State Coverage Endorsement 

• Covers employees working in states other than the primary state listed in the policy. 

Common Auto Liability Endorsements 

• CA 20 48: Designated Insured Endorsement 

• Extends liability coverage to a designated insured. 

• CA 04 44: Waiver of Subrogation Endorsement (Auto Liability) 

• Waives the insurer’s right to subrogation for auto liability claims.