ISO · General Liability
CG 20 11
Additional Insured — Managers or Lessors of Premises
Additional Insured — Managers Or Lessors Of Premises (ISO General Liability)
Grants Additional Insured status to a landlord, property manager, or lessor for liability arising out of the named insured's use of the leased premises.
What it does
CG 20 11 is the standard AI form for commercial leases. The tenant (named insured) adds the landlord and property manager as AIs for liability the tenant might cause arising out of the tenant's use of the leased premises. Coverage is limited to the ownership, maintenance, or use of the part of the premises leased to the named insured — not the entire building, and not the landlord's separate operations. Many commercial leases require both CG 20 11 and CG 20 26 (designated party form) for belt-and-suspenders coverage.
When you need it
- Every commercial lease — landlords require their tenants to name them as AI on the tenant's GL.
- Mixed-use building leases where the landlord's property manager also expects AI status.
- Retail or restaurant leases where the landlord's risk manager specifies CG 20 11 by form number in the lease's insurance section.
Common mistakes
- Listing the property management company in the certificate's Description of Operations without an actual endorsement attached.
- Naming only the landlord and missing the property manager — both parties are typically required, and the form supports multiple names.
- Using CG 20 11 on construction or service contracts where CG 20 10 / 20 26 is the right form — CG 20 11 is premises-specific.
Verifying CG 20 11 on a real certificate?
Bindly Compliance auto-verifies endorsement attachment, named parties, and edition dates on every COI we track. Description-only language and missing forms surface as deficiencies in your dashboard before they become claims.