What is a Commercial General Liability Form CG 20 10 (11/85) endorsement?

If you’re in the construction industry and in the market for a CGL policy to fulfill a contract, you visited the right page.

Watch our video, or read to learn about the CG 20 10 1185 endorsement.

Today, we’re discussing Commercial General Liability (CGL) Form CG 20 10 (11/85) endorsements and why your clients may require one.

As mentioned in previous posts, an endorsement adds to an existing insurance policy. The CG 20 10 additional insured endorsement extends coverage to your clients. What makes the CG 20 10 11/85 endorsement different and the client’s preference is the phrase: “your work.” After November 1985 (hence 11/85), the term “your work” was replaced with “your ongoing operations.”

Though this may sound like a small change, it’s a massive difference to the person you’re completing the work. The 11/85 endorsement provides broader coverage for the additional insured because it guarantees the work itself for ten years. If there’s a problem with your work, your client may likely not know about it until after you complete the project. If the endorsement only covers your “ongoing operations,” your client won’t be protected if your work sometimes fails after operations on the project have ceased.



To learn more about CGL endorsements, CG 20 10 11/85, and otherwise, schedule time with our team by completing the form below! Thanks for visiting!