1. Forms
  2. CG
  3. CG-20-33

What it does

CG 20 33 grants additional insured status, without a schedule, to any person or organization for whom the named insured is performing operations when the two have agreed in writing that the party will be added as an additional insured. Coverage is for injury or damage 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 party.

Who needs it

Any contractor that signs multiple construction contracts with AI requirements. It removes the need to endorse a CG 20 10 for every owner or general contractor.

Key provisions and limits

  • Privity limit: only the party the named insured contracts with directly qualifies. Owners or other parties further up the contract chain that the subcontract also requires to be covered are not picked up; that gap is what CG 20 38 was written to close.
  • AI status ends when operations for that additional insured are completed, and there is a completed operations exclusion like the one in CG 20 10.
  • Additional exclusion for professional architectural, engineering or surveying services.
  • 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.

Quoting and selling notes

  • The contract must be written and the agreement must exist before the loss; oral promises do not trigger coverage.
  • The 12 19 title adds "written" ("When Required In A Written Construction Agreement With You"); the 04 13 title read "When Required In Construction Agreement With You". Both editions require the agreement to be in writing.
  • Pair with CG 20 39 (blanket completed operations) when contracts require completed operations coverage, and with CG 20 01 and CG 24 53 for blanket primary/noncontributory and waiver requirements.

Related forms

CG 20 38 (adds other parties named in the contract), CG 20 39, CG 20 10, CG 20 43 (non-construction blanket), CG 20 01, CG 24 53.