ISO · General Liability
CG 20 28
Additional Insured — Lessor of Leased Equipment
Additional Insured — Lessor Of Leased Equipment (ISO General Liability)
Grants Additional Insured status to an equipment lessor for liability arising out of the maintenance, operation, or use of equipment leased to the named insured.
What it does
CG 20 28 is the equipment-rental counterpart of CG 20 11. When a contractor or business leases equipment (cranes, generators, forklifts, vehicles), the lessor typically requires AI status on the lessee's GL. CG 20 28 schedules the lessor by name and covers their liability arising out of the named insured's maintenance, operation, or use of the specific leased equipment. Coverage terminates when the lease ends or when the equipment is returned — not at policy renewal.
When you need it
- Construction equipment rental agreements (cranes, lifts, generators, scaffolding).
- Vehicle leasing arrangements where the lessor demands AI on the lessee's auto liability — note: vehicles are auto liability, so pair with CA 20 48 on the BAP.
- Equipment leasing companies who require their AI grant be explicit on every customer's COI.
Common mistakes
- Confusing CG 20 28 (general liability, premises/operations of leased equipment) with CA 20 48 (auto liability for leased vehicles) — leased vehicles need CA 20 48 on the BAP, not CG 20 28.
- Forgetting to update the scheduled equipment list when the lease changes — the form covers what's scheduled, not what's currently in use.
- Letting AI status persist past lease termination — coverage ends with the lease and should be removed from active COIs.
Verifying CG 20 28 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.