Additional Insured — Lessor Of Leased Equipment
Adds an equipment lessor as AI for liability arising out of the leased equipment's use.
What it actually does
CG 20 28 adds a designated lessor of leased equipment as an additional insured, for liability arising out of the maintenance, operation, or use of the equipment leased to the named insured and shown in the schedule. Equipment-rental companies require it from contractors who rent cranes, lifts, generators, and similar gear.
The coverage is scheduled (the specific lessor and often the specific equipment are listed) and it ends when the equipment lease expires. It does not respond to liability arising out of structural alterations, new construction, or demolition performed by or for the lessor.
When you see CG 20 28 on a sub's COI, it usually reflects a rental relationship rather than your subcontract. The automatic-status equivalent is CG 20 34, which grants lessor AI status whenever a written equipment-lease agreement requires it without scheduling each lessor.
Verification checklist
- 01Confirm the correct equipment lessor is scheduled.
- 02Verify the lease and policy periods align.
- 03Check whether the automatic form CG 20 34 is used instead.
- 04Confirm your own subcontract AI requirement is separately satisfied.
Common mistakes
- ·Reading an equipment-lessor AI as satisfying the GC's subcontract AI requirement.
- ·Missing that coverage ends when the equipment lease ends.
Frequently asked questions
Who requires CG 20 28?
Equipment-rental companies, so they're additional insureds for liability arising out of the rented equipment's use while it's in the contractor's hands.
What's the automatic version of CG 20 28?
CG 20 34 grants lessor additional-insured status automatically whenever a written equipment-lease agreement requires it, without scheduling each lessor.
Does CG 20 28 help the GC?
Not for subcontract purposes — it protects the equipment lessor. The GC's AI status comes from the operations forms.
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Check a COI for CG 20 28 →Related endorsements
This page explains CG 20 28 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.