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Additional Insured Form Comparison

Updated as of August 12, 2024

CG 20 10 (Edition 11/85)

  • Additional Insured Status: Ties to liability arising out of “your work” for the additional insured.
  • Encompasses liability during both in-progress work and completed operations.
  • Addresses project owners’ requirements for contractors to provide additional insured status for claims arising out of completed work.
  • Usage: Continued use until the mid-2000s, despite later versions removing completed operations coverage.

CG 20 10 (Edition 10/01)

  • Coverage: Limited to the named insured’s ongoing operations (no completed operations coverage).
  • Term: Coverage only during the time operations are actually performed.
  • Concerns: Coverage may be eliminated if operations are in progress, but a claim arises after completion.
  • Supplementary Endorsement: ISO adopted CG 20 37 to fill this gap.
  • Exclusions: Contains a design professional liability exclusion.

CG 20 37 (Edition 10/01)

  • Status: Provides additional insured status for products-completed operations hazard.
  • Coverage: Applies only for completed operations claims.
  • Combination: Can be combined with CG 20 10 ED 10 01 for similar coverage to CG 20 10 ED 11 85.

CG 20 10 (Edition 07/04)

  • Coverage: Applies only to ongoing operations.
  • Covers BI, PD, and Personal Advertising Injury caused in whole or in part by:
    • “Your acts and omissions” or
    • “Acts or omissions of others acting on your behalf.”
  • Objective: Narrows coverage to vicarious liability and liability arising from the insured’s operations.

CG 20 37 (Edition 07/04)

  • Coverage: Applies only to completed operations.
  • Covers BI and PD caused in whole or in part by:
    • “Your acts and omissions” or
    • “Acts or omissions of others acting on your behalf.”
  • Usage: Typically used with CG 20 10 to provide comprehensive ongoing and completed operations coverage.

CG 20 10 (Edition 04/13)

  • Coverage: Applies only to ongoing operations.
  • Covers BI, PD, and Personal Advertising Injury caused in whole or in part by:
    • “Your acts and omissions” or
    • “Acts or omissions of others acting on your behalf.”
  • Clarifications:
  • Restricts coverage to that required by contract.
  • Applies to the extent “permissible by law.”
  • Limits liability to those specified in the contract.
  • Contract Requirement: No written contract needed; the Additional Insured must be listed on the endorsement.

CG 20 37 (Edition 04/13)

  • Coverage: Applies only to completed operations.
  • Covers BI and PD caused in whole or in part by:
    • “Your acts and omissions” or
    • “Acts or omissions of others acting on your behalf.”
  • Clarifications:
  • Restricts coverage to that required by contract.
  • Applies to the extent “permissible by law.”
  • Limits liability to those specified in the contract.
  • Contract Requirement: No written contract needed; the Additional Insured must be listed on the endorsement.

CG 20 33 (Edition 04/13)

  • Coverage: Ongoing operations only.
  • Automatic wording to add Additional Insured if required by the construction agreement.
  • Same coverage applicability as CG 20 10 ED 04 13.
  • Must be a written contract.
  • Limitations: Coverage and limits “to the extent required by contract and permissible by law.”
  • Exclusions: Additional exclusions for professional liability due to automatic feature allowing professional firms to be considered Additional Insureds.

CG 20 38 (Edition 04/13)

  • Coverage: Ongoing operations only.
  • Automatic wording to add Additional Insured if required by the construction agreement.
  • Adds Additional Insured status for direct contracting parties and others required by contract.
  • Gap Coverage: Addresses potential gaps for upstream parties not privy to the construction contract but required to have Additional Insured status.
  • Limitations: Coverage and limits “to the extent required by contract and permissible by law.”

Note

This summary is for convenience only and does not attempt to capture all aspects of the various forms noted. Refer to the endorsements themselves for complete wording. Any review of contractual requirements and compliance should only be done with the assistance of a qualified attorney.