Additional Insured — Vendors
Adds a vendor as AI for liability arising out of the named insured's products they distribute/sell.
What it actually does
CG 20 15 adds a designated vendor as an additional insured, but only for "bodily injury" or "property damage" arising out of the named insured's products that are distributed or sold in the regular course of the vendor's business. It's a products-liability additional-insured form, used in manufacturer/distributor/retailer supply chains — not a construction-operations form.
The endorsement carries a long list of built-in exclusions: it doesn't cover the vendor's own repackaging, demonstration, installation, or other operations on the product, nor products the vendor itself manufactured. The point is to protect a reseller from claims based purely on selling the manufacturer's product as-is.
In construction COI review you'll occasionally see CG 20 15 when a material supplier is involved. For trade-contractor subcontracts, the owners/lessees/contractors AI forms (CG 20 10 / 20 37 / 20 38) are the relevant ones, not CG 20 15.
Verification checklist
- 01Confirm the vendor is correctly named and the products are the manufacturer's, sold as-is.
- 02Understand the form's many exclusions (no coverage for the vendor's own operations on the product).
- 03For trade subcontracts, verify the proper operations AI forms are present instead.
Common mistakes
- ·Accepting CG 20 15 to satisfy a construction-operations AI requirement — wrong form family.
- ·Assuming it covers the vendor's installation or repackaging — those are excluded.
Frequently asked questions
What is CG 20 15 for?
It makes a vendor (distributor/retailer) an additional insured for claims arising out of selling the named insured's product in the regular course of business — a products-liability form.
Does CG 20 15 work for a subcontractor's operations?
No. For subcontractor operations you need the owners/lessees/contractors forms (CG 20 10 / 20 37 / 20 38). CG 20 15 is supply-chain coverage.
What does CG 20 15 exclude?
The vendor's own operations on the product — repackaging, installation, demonstration — and products the vendor manufactured itself, among others.
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Check a COI for CG 20 15 →Related endorsements
This page explains CG 20 15 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.