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Insurance Endorsement Cheat Sheet

Quick reference for the most commonly used ISO endorsement forms. Search by form number, title, category, or line of business. Click any form for the full explanation.

Endorsement Forms

Critical E&O Risk

High E&O Risk

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17 endorsements

Form Number	Title	Category	LOB	E&O Risk	Edition
CA 04 44	Waiver of Transfer of Rights of Recovery Against Others to Us	Waiver of Subrogation	Auto	Medium	12 19
CA 20 48	Designated Insured for Covered Autos Liability Coverage	Additional Insured	Auto	Medium	12 19
CG 20 01	Primary and Non-Contributory - Other Insurance Condition	Primary/Non-Contributory	CGL	Medium	12 19
CG 20 10	Additional Insured - Owners, Lessees or Contractors - Scheduled Person or Organization	Additional Insured	CGL	High	12 19
CG 20 26	Additional Insured - Designated Person or Organization	Additional Insured	CGL	Medium	12 19
CG 20 33	Additional Insured - Owners, Lessees or Contractors - Automatic Status When Required in Construction Agreement	Additional Insured	CGL	High	12 19
CG 20 37	Additional Insured - Owners, Lessees or Contractors - Completed Operations	Additional Insured	CGL	Critical	12 19
CG 20 38	Additional Insured - Owners, Lessees or Contractors - Automatic Status When Required in Construction Agreement with Limited Coverage	Additional Insured	CGL	Medium	12 19
CG 21 04	Exclusion - Products-Completed Operations Hazard	Exclusion	CGL	Critical	04 13
CG 21 06	Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data-related Liability - With Bodily Injury Exception	Cyber/Data	CGL	High	12 19
CG 21 07	Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data-related Liability - Without Bodily Injury Exception	Cyber/Data	CGL	High	12 19
CG 21 39	Contractual Liability Limitation	Coverage Restriction	CGL	Critical	04 13
CG 21 46	Exclusion - Abuse Or Molestation	Exclusion	CGL	Critical	04 13
CG 21 47	Employment-Related Practices Exclusion	Exclusion	CGL	High	04 13
CG 21 49	Total Pollution Exclusion Endorsement	Pollution	CGL	High	04 13
CG 24 04	Waiver of Transfer of Rights of Recovery Against Others to Us	Waiver of Subrogation	CGL	Medium	12 19
WC 00 03 13	Waiver of Our Right to Recover from Others Endorsement	Waiver of Subrogation	WC	Medium	04 84

E&O Risk Level Guide

Critical

Frequently involved in E&O claims. Misunderstanding this endorsement has caused significant losses. Requires immediate attention during policy review.

High

Commonly misunderstood. Incorrect application can create coverage gaps or contract compliance failures. Always verify edition and schedule.

Medium

Moderate risk if overlooked. Generally straightforward but requires confirmation of correct companion endorsements and matching contract terms.

Low

Standard endorsement with low E&O risk. Still review for correct entity names and effective dates, but less likely to cause coverage disputes.

Related Resources

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