1. Forms
  2. CG
  3. CG-20-10

What it does

CG 20 10 is the standard ISO additional insured (AI) endorsement for construction work in progress. It amends Section II – Who Is An Insured to add the persons or organizations listed in the schedule, but only for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by the named insured's acts or omissions (or those acting on its behalf) in the performance of ongoing operations for that additional insured at the scheduled location. The additional insured is not covered for its own sole negligence.

Who needs it

General contractors, specialty trade subcontractors and service contractors working for property owners or upstream contractors. Construction contracts, subcontract agreements and certificate requests frequently name "CG 20 10 or equivalent" as the required form.

Key provisions and limits

  • Schedule: name of the additional insured and the location(s) of covered operations; information can also be shown in the Declarations.
  • Completed operations excluded: no coverage for injury or damage occurring after all work on the project is completed, or after the portion of work causing the injury has been put to its intended use by anyone other than another contractor on the same project.
  • Contract caps the coverage: the additional insured gets no broader coverage than the contract requires, and if a contract requires the coverage the most paid for the additional insured is the lesser of the contract-required amount or the policy limits. The endorsement never increases the policy limits.
  • Coverage applies only to the extent permitted by law, which matters in states with anti-indemnity statutes that limit AI coverage for an indemnitee's own negligence.

Quoting and selling notes

  • Read the contract: many require both ongoing and completed operations AI status. CG 20 10 alone does not satisfy a completed operations requirement; add CG 20 37 (scheduled) or use the blanket CG 20 38/CG 20 40 or CG 20 33/CG 20 39 pairs.
  • Contracts sometimes name an older edition (such as the 10 01 or 07 04 edition). A carrier writing the 12 19 edition cannot issue the older form, so flag the mismatch before the client signs.
  • If the contract also requires primary and noncontributory wording, add CG 20 01; for a waiver of subrogation, add CG 24 04.
  • For many projects a blanket form avoids endorsing the policy for every certificate request.

Contract and certificate checklist

  • Get the contract insurance clause, not just the certificate request. It tells you whether the other party needs ongoing operations, completed operations or both, for how long, and whether coverage must be primary and noncontributory or carry a waiver of subrogation.
  • Check that the AI form's causation wording ("caused, in whole or in part, by" the named insured) meets the contract; requests for coverage of the other party's sole negligence cannot be met with ISO forms and may be unenforceable under state anti-indemnity laws.
  • Because the AI coverage is capped at what the contract requires, a contract that asks for $1 million per occurrence gives the additional insured only $1 million even if the policy carries higher limits.
  • List the endorsement number and edition on the certificate description only if the endorsement is actually on the policy; a certificate does not create coverage.
  • Additional insureds share the named insured's limits; on large or many projects consider per project aggregates (CG 25 03) and umbrella follow-form wording for AIs.

How it compares

  • CG 20 10 vs. CG 20 26: CG 20 10 is tied to ongoing operations at a scheduled location; CG 20 26 also covers liability in connection with premises the named insured owns or rents and has no location field.
  • CG 20 10 vs. CG 20 33/CG 20 38: the blanket forms need a written contract with the AI; CG 20 10 needs only the schedule entry.

Related forms

CG 20 37 (completed operations, scheduled), CG 20 33 and CG 20 38 (blanket ongoing), CG 20 39 and CG 20 40 (blanket completed), CG 20 26 (designated person, not construction specific), CG 20 01, CG 24 04.