THE BOTTOM LINE: New CG 20 38 ADDITIONAL INSURED ENDORSEMENTS
ISO amended the 2013 form CG 20 38. This form is used to add a blanket additional insured to a policy. New terms limit coverage: (T)he insurance afforded to such additional insured described above...Only applies to the extent permitted by law.... (Emphasis added). What does this mean? The committee added these terms to incorporate laws recently enacted in certain states that limit indemnity or prohibit it altogether between parties. Despite [...]