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High Risk Category: Priority of Coverage • Edition: 04 13 / 12 19

CG 20 01 — Primary and Noncontributory - Other Insurance Condition

Specifies that the subcontractor's General Liability policy must pay first (primary) without seeking contribution from the General Contractor's own corporate insurance policy.

⚠️ The Underwriting Trap

Without this endorsement, the sub's insurer and the GC's insurer will share defense and indemnity costs equally (co-insurance contribution), driving up the GC's loss runs and future premiums.

✅ General Contractor Remedy

Require CG 20 01 on all trade contracts to insulate the GC's corporate policy and deductible.

Standard ISO Policy Wording

This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy, provided that you have agreed in writing in a contract or agreement.

Verify Your Subcontractor's Endorsements

Upload your ACORD 25 certificate or copy/paste policy endorsement schedules.

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