What it does
CG 20 41 adds the scheduled person or organization as an additional insured for (1) "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by the named insured's acts or omissions in the performance of ongoing operations at the scheduled location, and (2) "bodily injury" or "property damage" caused, in whole or in part, by "your work" (other than ongoing operations) at that location performed for the additional insured.
Who needs it
Contractors that want one scheduled form instead of the CG 20 10 plus CG 20 37 pair, typically when a project contract calls for both ongoing and completed operations AI status.
Key provisions and limits
- Schedule: name of additional insured and location and description of the work.
- The title states that completed operations coverage under this form is subject to the general aggregate, so a large completed operations claim for the additional insured reduces the same aggregate that protects ongoing operations.
- 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
- Compare with a contract that requires completed operations coverage under the products-completed operations aggregate; some contracts specify CG 20 10 and CG 20 37 by number.
- Consider per project aggregate (CG 25 03) for contractors with many jobs, so one project does not exhaust the general aggregate.
