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Endorsement Form Reference
Plain-English explanations of the ISO, NCCI, and FMCSA forms you see on commercial Certificates of Insurance. Search by form number, filter by category, share the link with your team.
20 forms catalogued. No login required.
Endorsement form catalog
20 forms
- BMC-91Motor Carrier Surety Bond (Public Liability)FMCSA-filed surety bond providing the federal financial-responsibility coverage for a motor carrier — an alternative to MCS-90 endorsement-backed coverage.Motor Carrier · FMCSA
- BMC-91XMotor Carrier Surety Bond (Excess)Excess-layer surety bond used to bring a motor carrier's primary auto liability up to the federal financial-responsibility minimum when the primary policy alone is insufficient.Motor Carrier · FMCSA
- CA 04 44Waiver of Subrogation (Auto)Waives the BAP carrier's right to subrogate against a scheduled party for losses the named insured caused — the auto counterpart to CG 24 04.Auto Liability · ISO
- CA 20 48Designated Insured for Covered Autos LiabilityAdds a scheduled person or organization as an Insured under the Business Auto Policy for covered-autos liability — the auto-liability equivalent of CG 20 10.Auto Liability · ISO
- CG 20 01Primary and Non-ContributoryModifies the GL policy's Other Insurance condition so the named insured's policy pays first and does not seek contribution from the additional insured's own coverage.General Liability · ISO
- CG 20 10Additional Insured — Ongoing Operations (Scheduled)Grants Additional Insured status to a specifically scheduled person or organization for liability arising out of the named insured's ongoing operations performed for that party.General Liability · ISO
- CG 20 11Additional Insured — Managers or Lessors of PremisesGrants Additional Insured status to a landlord, property manager, or lessor for liability arising out of the named insured's use of the leased premises.General Liability · ISO
- CG 20 26Additional Insured — Designated Person or OrganizationBroadest-grant scheduled Additional Insured form — coverage for the AI's liability arising out of the named insured's operations, without the ongoing-operations limitation.General Liability · ISO
- CG 20 28Additional Insured — Lessor of Leased EquipmentGrants Additional Insured status to an equipment lessor for liability arising out of the maintenance, operation, or use of equipment leased to the named insured.General Liability · ISO
- CG 20 33Additional Insured — Automatic Status (Construction Agreement)Grants Additional Insured status automatically to any party the named insured is required to name in a written construction agreement — no schedule entry needed.General Liability · ISO
- CG 20 37Additional Insured — Completed Operations (Scheduled)Extends Additional Insured status to liability arising from the named insured's work after it has been completed — the products-completed operations exposure.General Liability · ISO
- CG 20 38Additional Insured — Automatic Status (Other Parties)Broader blanket Additional Insured form than CG 20 33 — also covers upstream parties (e.g., owner above a GC) when the construction contract requires it.General Liability · ISO
- CG 24 04Waiver of Subrogation (General Liability)Waives the GL carrier's right to subrogate against a specifically scheduled person or organization for losses the named insured caused.General Liability · ISO
- CP 04 05Ordinance or Law CoverageAdds three coverages addressing the increased cost of rebuilding to current building codes after a covered loss.Commercial Property · ISO
- CP 12 18Loss Payable ProvisionsSpecifies how loss payments are made between the named insured and a designated third party (loss payee, lender, or mortgagee).Commercial Property · ISO
- HO 04 41Additional Interest (Renters / Homeowners)Adds a property manager, landlord, or HOA as an Additional Interest on a renters or homeowners policy — they receive notice of cancellation but no coverage extension.Renters / Personal · ISO
- MCS-82Motor Carrier Surety Bond (FMCSA Form MCS-82)Legacy surety-bond filing form historically used to demonstrate motor-carrier financial responsibility — largely superseded by BMC-91 but still seen on older filings.Motor Carrier · FMCSA
- MCS-90Motor Carrier Endorsement (Public Liability)Federally required endorsement on the auto liability policy of any for-hire motor carrier of regulated property — guarantees the public a minimum recovery for negligence regardless of policy defenses.Motor Carrier · FMCSA
- MCS-90BMotor Carrier Endorsement (Passenger)Passenger-carrier counterpart to the MCS-90 — federally required endorsement on the auto liability policy of any for-hire motor carrier of passengers.Motor Carrier · FMCSA
- WC 00 03 13Waiver of Subrogation (Workers' Compensation)Waives the WC carrier's subrogation right against a specifically scheduled party — the workers' comp counterpart to CG 24 04.Workers Compensation · NCCI
Browse by category
Additional Insured
Endorsements that extend GL or auto coverage to a scheduled or blanket third party.
- CG 20 10Additional Insured — Ongoing Operations (Scheduled)General Liability · ISO
- CG 20 11Additional Insured — Managers or Lessors of PremisesGeneral Liability · ISO
- CG 20 26Additional Insured — Designated Person or OrganizationGeneral Liability · ISO
- CG 20 28Additional Insured — Lessor of Leased EquipmentGeneral Liability · ISO
- CG 20 33Additional Insured — Automatic Status (Construction Agreement)General Liability · ISO
- CG 20 37Additional Insured — Completed Operations (Scheduled)General Liability · ISO
- CG 20 38Additional Insured — Automatic Status (Other Parties)General Liability · ISO
Waiver of Subrogation
Endorsements that waive the carrier's right to subrogate against a scheduled party.
Primary & Non-Contributory
Modifies the Other Insurance condition so the named insured's policy pays first.
Designated Insured (Auto)
Adds a party as an Insured under the Business Auto Policy — the BAP's term for AI.
Commercial Property
Property-specific endorsements: loss payable, ordinance or law, and similar.
Renters / Personal
Additional-Interest endorsements on HO-4 (renters) and similar personal policies.
Trucking — Endorsements
FMCSA-required endorsements attached to the motor carrier's auto liability policy.
Trucking — Filings
FMCSA surety-bond and similar filings — distinct from policy endorsements.
About this reference
Insurance endorsement forms are the most-misunderstood part of a Certificate of Insurance. Vendors get asked for “CG 20 10 and CG 20 37” without context, brokers add description-only language that doesn’t bind the carrier, and lender insurance schedules pile up requirements that nobody on the accepting side can verify by hand.
This reference is the plain-English version. Each entry covers what the form actually does, when it’s required, and the specific failure modes Bindly’s COI verifier sees in the field. Citations refer to the official ISO, NCCI, or FMCSA publications — we don’t reproduce the form text itself, only what it means.
If you manage vendor COIs or chase property managers / subhaulers for the right endorsements, Bindly Compliance auto-verifies these forms on every certificate we track and surfaces deficiencies in a single dashboard.