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CG 20 10 (Edition 11/85):

  • Ties Additional Insured status to liability arising out of “your work” – i.e., the named insured’s work – for the additional insured.
  • Applying the coverage to “your work: encompasses liability incurred while the named insured’s work is in progress and also the named insured’s completed operations.
  • Addresses a coverage requirement that is frequently imposed by project owners on contractors doing work for them – “the contractor will provide the owner with additional insured status for claims against the owner arising out of completed work”.
  • Later versions of CG 20 10 were revised to take away completed operations coverage, but the 11/85 version continued to be used regularly until the mid-2000s.

CG 20 10 (Edition 10/ 01):

  • Grants coverage only with respect to the named insured’s ongoing operations (i.e., there is no coverage for completed operations).
  • Limits the term of additional insured coverage to the time period in which operations are actually being performed by the named insured. This language is a concern because coverage could potentially be eliminated if operations are still in progress, but a claim arises against the additional insured after their operations are completed. ISO adopted the CG 20 37, which can be used in conjunction with CG 20 10 to fill this gap (see below).
  • The endorsement also contains a design professional liability exclusion.

CG 20 37 (Edition 10/01):

  • Provides additional insured status with respect to the products-completed operations hazard in connection with the named insured’s work.
  • Coverage applies only for completed operations claims there is no coverage for premises and operations which can be included by applying CG 20 10 ED 10 01.
  • By applying the CG 20 37 Ed 10 01 endorsements. ISO developed a way to essentially receive similar coverage to the CG 20 10 ED 11 85.

CG 20 10 (Edition 07/04):

  • This only applies to ongoing operations.
  • Only covers BI, PD, and Personal Advertising Injury caused in whole or in part by: “Your acts and omissions or the acts or omissions of others acting on your behalf”.
  • The goal is to narrow the grant of coverage to the additional insured to true vicarious liability and liability arising out of the insureds (policyholders) operations for the additional insured.

CG 20 37 (Edition 07/04):

  • This only applies to completed operations.
  • Coverage applies to BI (bodily injury) and PD (property damage) only caused in whole or in part by: “Your acts and omissions or the acts or omissions of others acting on your behalf”.
  • Typically used in conjunction with CG 20 10 endorsement to provide both ongoing and completed operations coverage for the Additional Insured.

CG 20 10 (Edition 04/13):

  • This only applies to ongoing operations.
  • Only covers BI, PD, and Personal Advertising Injury caused in whole or in part by: “Your acts and omissions or the acts or omissions of others acting on your behalf”.
  • Adds clarification that:
    • Restricts coverage to that required by contract.
    • Applies to the extent “permissible by law”.
    • Restricts limits of liability to those specified in the contract.
  • There is no requirement that a written contract be in place, just that the Additional Insured is listed on the endorsement.

CG 20 37 (Edition 04/13):

  • This only applies to completed operations.
  • Coverage applies to BI and PD only caused in whole or in part by: “Your acts and omissions or the acts or omissions of others acting on your behalf”.
  • Adds clarification that:
    • Restricts coverage to that required by contract
    • Applies to the extent “permissible by law”
    • Restricts limits of liability to those specified in the contract
  • There is no requirement that a written contract be in place, just that the Additional Insured is listed on the endorsement.

CG 20 33 (Edition 04/13):

  • Covers ongoing operations only in Automatic wording to add Additional Insured if required by the construction agreement.
  • Must be a written contract.
  • Same wording as CG 20 10 ED 04 13 for coverage applicability to Additional Insured (“.. arises in whole or in part”).
  • Same limitations on coverage and limits “to the extent required by contract and also must be permissible by law.
  • Additional exclusions apply to professional liability as the automatic feature could allow professional firms to be considered Additionally Insureds.

CG 20 38 (Edition 04/13):

  • Covers ongoing operations only.
  • Automatic wording to add Additional Insured if required by the construction agreement.
  • Adds Additional Insured status for direct contracting parties as well as others required to be added by contract. This plugs a potential gap for upstream parties not privy to the construction contract who are required to have Additional Insured status.
  • Same limitations on coverage and limits “to the extent required by contract and also must be permissible by law.

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.