What it means
CG 20 10 is the ISO form titled Additional Insured, Owners, Lessees or Contractors, Scheduled Person or Organization. It is one of the most frequently requested endorsements in construction and service contracts.
Current editions cover the additional insured for injury or damage caused, in whole or in part, by your acts or omissions in the performance of your ongoing operations for that party. The 2013 editions also limit coverage to what the contract requires and to the lesser of the required amount or the policy limits. Older editions, such as the 11 85 edition, were broader and included completed work, which is why some contracts still name edition dates.
Because current editions cover ongoing operations, contracts that also require completed operations coverage usually pair CG 20 10 with CG 20 37.
An example
Mission Bay Glazing installs storefront windows for Pacific Retail Partners, the property owner. The work order requires CG 20 10 for ongoing operations and CG 20 37 for completed operations. Mission Bay’s policy schedules Pacific Retail on both endorsements, so the owner is covered during installation and after the job is done.
Names in this example are fictional.
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Does CG 20 10 cover completed operations?
Current editions do not. They apply to ongoing operations, and completed work is addressed by a separate endorsement, CG 20 37. Contracts that require additional insured coverage after the job is finished usually ask for both forms, or for equivalent blanket wording that includes completed operations. Check the edition dates listed on the policy forms schedule.
Why do contracts specify a CG 20 10 edition date?
Edition dates matter because the wording changed over time. Some owners ask for the 11 85 edition because it was broader and included completed work, but it can be hard to obtain today. When a contract names an edition the policy cannot match, the usual path is to ask the client to accept current forms or an equivalent combination.
General information only. It is not legal or insurance advice. Only issued policy documents and endorsements describe actual coverage.