Which endorsement forms are commonly used to add an Additional Insured to a CGL policy and may include a primary and noncontributory clause?

• A. CG 20 10 or CG 20 37
• B. CG 24 04
• C. HO 04 05
• D. GL 00 04

Answer: (A)

Adding an Additional Insured to a CGL is done with specific endorsements that modify the policy to extend coverage to another party. The forms commonly used for this are the ISO endorsements that name an additional insured: one is the "Additional Insured – Owners, Lessees or Contractors" form, and the other is the "Additional Insured – Designated Person or Organization" form. These endorsements are designed for situations such as construction projects where the owner, a general contractor, or a designated organization needs protection under the CGL.

These endorsements often include a primary and noncontributory clause, which is why they’re frequently paired with contract requirements. When the clause is included, the additional insured’s claims are paid on a primary basis, meaning the CGL policy pays first and does not share losses pro rata with the additional insured’s other insurance. This provides clear and strong protection for the named additional insured, aligning with typical risk-transfer arrangements in professional or construction settings.

The other options don’t serve this purpose. Waiver of Subrogation endorsements, homeowners forms, and the base General Liability form aren’t the standard tools for adding an additional insured to a CGL policy.