CG 20 13

Additional Insured — State or Political Subdivisions — Permits

Edition in catalog: 04 13 · endorsement

What this number is

CG 20 13 (Additional Insured — State or Political Subdivisions — Permits) is an endorsement used on general liability policies. Edition 04/13 is the version in Coverbird’s reference catalog; your policy may list a different edition of the same number.

What it changes on a policy

CG 20 13 adds additional-insured status for State or Political Subdivisions. The schedule (or the automatic-status wording, on blanket versions) controls who gets that status and for which operations or premises.

What it does not do

Listing someone on a certificate does not create this endorsement. Additional-insured status is also not the same as higher limits, a waiver of subrogation, or primary-and-noncontributory wording.

Where it shows up

On the policy: the forms-and-endorsements schedule, plus any additional-insured schedule of names. On a certificate: the description of operations. Upload the policy if you need to confirm the form is actually attached.

What to look for

Form number CG 20 13 and edition 04 13 on the schedule
General liability declarations sitting in front of this form
The scheduled person or organization, or automatic-status wording
Neighboring endorsements on the same line, which often change the same coverage

Coverbird reads the declarations and form schedule on the PDF you already have. It does not sell insurance or say whether a limit is enough.

Upload a policy to find this on yours

Related glossary

Declarations page
The front pages that list who is insured, what is covered, the term, premium, and limits.
Additional insured
Someone added to your liability policy by endorsement, usually because a contract asked for it.
Certificate of insurance
A snapshot someone else asked for. It is not the policy and does not change the policy.
Products-completed operations
Liability arising after you finish the work or after your product is out of your hands.