Additional Insured — State Or Governmental Agency Or Subdivision Or Political Subdivision — Permits Or Authorizations
Adds a government body as AI as a condition of a permit — narrow, tied to the permitted operations.
What it actually does
CG 20 12 adds a state or governmental agency, subdivision, or political subdivision as an additional insured where that body has issued a permit or authorization for the named insured's operations. Municipalities commonly require it as a condition of issuing a permit (for example, for work in the public right-of-way, road cuts, or use of public property).
Coverage is limited to liability arising out of the operations performed by or for the named insured for which the permit is issued. It typically excludes bodily injury, property damage, or personal/advertising injury arising out of operations performed for the governmental body, and ongoing-vs-completed scope can vary by edition.
When verifying it, confirm the correct governmental entity is named and that the permit/authorization referenced matches the project. It is generally not a substitute for the AI coverage a GC requires in a subcontract.
Verification checklist
- 01Confirm the exact governmental entity required by the permit is named.
- 02Verify the permitted operations match the project scope.
- 03Check that any separate GC/owner AI requirement is also satisfied (CG 20 10 / 20 38).
- 04Confirm policy dates cover the permit period.
Common mistakes
- ·Treating CG 20 12 as satisfying a GC's additional-insured requirement — it covers the permitting authority, not the GC.
- ·Naming the wrong governmental subdivision (city vs county vs state).
Frequently asked questions
Why would a city require CG 20 12?
As a condition of a permit — it makes the governmental body an additional insured for liability arising out of the permitted operations (right-of-way work, road cuts, etc.).
Does CG 20 12 cover the GC?
No. It names the permitting governmental authority. The GC's additional-insured status comes from the owners/lessees/contractors forms.
Is the coverage broad?
No — it's limited to the operations the permit was issued for and typically excludes operations performed for the governmental body itself.
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This page explains CG 20 12 in plain English for COI verification. It is informational only and is not legal or insurance advice — confirm the actual endorsement language and have your counsel or insurance agent review your specific requirements.