Who Is An Insured - Section 2
- Commercial General Liability Coverage Form

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Read the Who Is An Insured - Section 2 - Commercial General Liability Coverage Form (CG 00 01 04 13)

Who Is An Insured - Section 2 - Commercial General Liability Coverage Form

Who Is An Insured - Section 2 - Commercial General Liability Coverage Form

The ISO Who Is An Insured - Section 2 - Commercial General Liability Coverage Form is a part of the Commercial General Liability Coverage Form. If you have a general liability policy, you should at least have a basic understanding of what, where and who is covered - what, where and who is excluded and other important language in the Who Is An Insured - Section 2 - Commercial General Liability Coverage Form. The section starts below here:


Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations, and any other person or organization qualifying as a Named Insured under this policy. The words "we", "us" and "our" refer to the company providing this insurance.

The word "insured" means any person or organization qualifying as such under Section II - Who Is An Insured.

Other words and phrases that appear in quotation marks have special meaning. Refer to Section V - Definitions.

SECTION II - WHO IS AN INSURED

  1. If you are designated in the Declarations as:
    • a. An individual, you and your spouse are insureds, but only with respect to the conduct of a business of which you are the sole owner.
    • b. A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business.
    • c. A limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers.
    • d. An organization other than a partnership, joint venture or limited liability company, you are an insured. Your "executive officers" and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders.
    • e. A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees.
  2. Each of the following is also an insured:
    • a. Your "volunteer workers" only while performing duties related to the conduct of your business, or your "employees", other than either your "executive officers" (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However, none of these "employees" or "volunteer workers" are insureds for:
    • "Bodily injury" or "personal and advertising injury":
      • (a) To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liability company), to a co-"employee" while in the course of his or her employment or performing duties related to the conduct of your business, or to your other "volunteer workers" while performing duties related to the conduct of your business;
      • (b) To the spouse, child, parent, brother or sister of that co-"employee" or "volunteer worker" as a consequence of Paragraph (1)(a) above;
      • (c) For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph (1)(a) or (b) above; or
      • (d) Arising out of his or her providing or failing to provide professional health care services.
    • "Property damage" to property:
      • (a) Owned, occupied or used by;
      • (b) Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by; you, any of your "employees", "volunteer workers", any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company).
    • b. Any person (other than your "employee" or "volunteer worker"), or any organization while acting as your real estate manager.
    • c. Any person or organization having proper temporary custody of your property if you die, but only:
      1. With respect to liability arising out of the maintenance or use of that property; and
      2. Until your legal representative has been appointed.
    • d. Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part.
  3. Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and over which you maintain ownership or majority interest, will qualify as a Named Insured if there is no other similar insurance available to that organization. However:
    • a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period, whichever is earlier;
    • b. Coverage A does not apply to "bodily injury" or "property damage" that occurred before you acquired or formed the organization; and
    • c. Coverage B does not apply to "personal and advertising injury" arising out of an offense committed before you acquired or formed the organization.

No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Declarations.

More On ISO Insurance Forms

You can download a copy of this form here: Commercial General Liability Coverage Form.

You can find more ISO insurance coverage forms here:

Who Is An Insured - Section 2 - Commercial General Liability Coverage Form - The Bottom Line

We hope this article on the Who Is An Insured - Section 2 - Commercial General Liability Coverage Form has been informative. Because ISO forms are used by many insurance companies, a lot of the language they contain has already been by interpreted by the courts. Meanings have been established for specific words and phrases which can make claim settlements and litigation easier.

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