Roles y Responsabilidades

[ 45 ] ISO Policies an d Endorse ments. Number designations for ISO’s standard endorsements follow a pattern that classifies the endors ement acc ording to the kind of chan ge it effects and the edition date that differentia tes earlier versions of an endorsement from later, revised versions. ISO introduced its commercial general liability policy in 1985 to replace its earlier policy form, the comprehensive general liability policy. ISO also introduced beginning in 1985 endorsement forms for use in connection with its com mercial gen eral liability policy. Endo rsemen t is the term given to forms, either IS O or ma nuscripted forms, used to modify or ad d to the provisions of the policy to which they are attached. An endorsement supersedes a conflicting provision in the basic policy in most cases. Endorsements are identified under the ISO system, by four components, one of which is the endorsement’s promulgation date. Since the ISO forms are intended for national use, the promulgation date is not the date the form was adopted in a particular jurisdiction.

Each ISO designation is compose d of four elements. The following is an example for the Endorsement Form appearing as Appendix 16 to this article called “CG 20 26 11 85":

CG 20 26 11 85

The “CG” prefix in the endorsem ent’s

designation identifies it as part of the ISO

commercial general liability form series, introduced in 1986. Prior to this time, ISO

designated this series as “GL” in co nnection with its comprehensive general liability forms.

The first set of numbers identifies the “gro up” to which the endorsement form belongs. ISO endorsements are grouped accordin g to their

function. In this case the number “2 0" refers to group 20 which are all of the ISO en dorseme nts that confer additional insured status on particular persons or organizations.

The second set of numbers id entifies this endorsem ent within its group– in this case it indicates which additional insured end orsemen t is being dea lt with. Endors ement 26 within Group 20 adds as additional insureds to the CGL policy a designated person o r organizatio n. For this reaso n, this Endorsement is titled “Additional Insured–Designated Person or Organization.” A copy of Endorsement CG 20 26 11 85 is found in this article as Appendix 14.

The final fou r numbers in the endorsement

designation identify the endorsement’s edition date. ISO has revised most of its standard endorsements at one time or another . Endorse ments with the same function and numerical designation may go through several editions. In the

referenced endorsem ent, the edition date is “11 85" or Nov ember 1 985. November 1985 is the initial date of all ISO forms for the “CG” system. The coverage forms have been revised a number of times since then and currently bear an edition date of 07 98 . Many of the endorsement forms were revised at the same time as the coverage forms and also bear a 07 98 edition date. The following is the ISO CGL Form Categories grouped by function:

Category Name Category Number

Covera ge Form s and Am endatory E ndorsem ents 00

State Ame ndatory E ndorsem ents 01 and 26

Termina tion and Su spension E ndorsem ents 02

Deduc tible Endo rsements 03

Additiona l Coverag e Endo rsements 04

Additiona l Insured E ndorsem ents 20

Exclusion Endorse ments 21

Special P rovisions for C ertain Typ es of Risks E ndorsem ents 22

Covera ge Amen dment E ndorsem ents 24

Amend ment of Lim its Endorse ments 25

Claims-M ade On ly Endorse ments 27

Miscellan eous Co verage Fo rms End orsemen ts 28 and 29

Underg round Sto rage Ta nk Endo rsements 30

The following is a listing of all of the ISO Additional Insured Endorsements-Category 20.

Additional Insured–Club Members CG 20 02

Additional Insured–Concessionaires Trading Under Your Name CG 20 03

Additional Insured–Condominium Unit Owners CG 20 04

Additional Insured– Controlling Interest CG 20 05

Additional Insured–Engineers, Architects or Surveyors CG 20 07

Additional Insured–Users of Golfmobiles CG 20 08

Additional Insured–Owners/Lessees/Contractors (A) CG 20 09

Additional Insured–Owners/Lessees/Contractors (B) CG 20 10

Additional Insured–Managers or Lessors of Premises CG 20 11

Additiona l Insured–S tate or Po litical Subdivisio ns–Perm its CG 20 12 Additional Insured–State or Political Subdivisions–Permits Relating to Premises CG 20 13 Additiona l Insured–U sers of Tea ms, Draft or Saddle A nimals CG 20 14

Additional Insured–Vendors CG 20 15

Additional Insured–Townhouse Associations CG 20 17

Additional Insured–Mortgagee, Assignee or Receiver CG 20 18

Additional Insured–Charitable Institutions CG 20 20

Additional Insured–Volunteers CG 20 21

Additional Insured–Church Members, Officers and Volunteer Workers CG 20 22 Additional Insured–Executors, Administrators, Trustees/Beneficiaries CG 20 23 Additional Insured–Owners or Other Interests from Whom Land Has Been Leased CG 20 24 Additional Insured–Elective or Appointive Executive Officers of Public Corporations CG 20 25

Additional Insured–Designated Person or Organization CG 20 26

Additional Insured–Co-owner of Premises CG 20 27

Additional Insured–Lessor of Leased Equipment CG 20 28

Additional Insured– Grantor of Franch ise CG 20 29

Additiona l Insured–O il/Gas Op erations–N on-Ope rator, W orking Intere sts CG 20 30 Additional Insured–Engineers, Architects or Surveyors Not Engaged by the Named

Insured

CG 20 32

Additional Insured–Owners, Lessees or Contractors–Automatic Status When Required in Construction Agreement with You

CG 20 33

Additiona l Insured–L essor of Lea sed Equ ipment–A utomatic Sta tus Whe n Require d in Lease Agreement with You

CG 20 34

Additional Insured–Grantor of Licenses–Automatic Status When Required by Licensor CG 20 35

Additional Insured–Grantor of Licenses CG 20 36