What is the standard endorsement used to add an Additional Insured to a CGL policy?

• A. An Additional Insured endorsement (such as CG 20 10 or CG 20 37) with a Primary and Noncontributory clause.
• B. A Waiver of Subrogation endorsement.
• C. A Cancellation endorsement.
• D. A Named Insured endorsement.

Answer: (A)

The way to extend a CGL policy to cover another party is by using an Additional Insured endorsement. The standard forms used for this purpose, such as CG 20 10 and CG 20 37, are designed specifically to add someone else to the policy as an insured. When you include a Primary and Noncontributory clause in that endorsement, it ensures the Additional Insured’s defense and any payouts come from the insured’s policy first (primary) and that the Additional Insured does not have to share any of that responsibility with the insured’s other insurers (noncontributory). This setup is commonly required in contracts to provide the AI with solid, immediate protection.

The other endorsements listed don’t add an Additional Insured. A Waiver of Subrogation removes the insurer’s right to seek recovery from the Additional Insured after paying a claim, which is a separate contractual protection. A Cancellation endorsement changes when or how the policy can be canceled. A Named Insured endorsement would alter who is named as the insured, but it’s not the standard mechanism for adding an Additional Insured to a CGL policy.