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CG 20 37

ISO endorsement CG 20 37 extends additional insured status to a scheduled party for injury or damage arising from your completed work.

What it means

CG 20 37 is the ISO form titled Additional Insured, Owners, Lessees or Contractors, Completed Operations. It covers the scheduled party for bodily injury or property damage caused, in whole or in part, by your work at the designated location once that work is completed and falls within the products and completed operations hazard.

It is usually paired with CG 20 10, which covers ongoing operations. Together they give the client protection during the job and after it is finished.

Injury and construction defect claims can appear years after completion, so contracts often require completed operations additional insured coverage to stay in place for a stated period after the project closes.

An example

Two years after Tidewater Roofing finishes a warehouse roof, a delivery driver is hurt when a section of flashing falls. The owner, scheduled on Tidewater’s CG 20 37 endorsement, tenders the claim to Tidewater’s insurer as an additional insured for completed operations.

Names in this example are fictional.

See this term in your own contract.

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CG 20 37, answered

How long must CG 20 37 coverage stay in place?

That depends on the contract, not the form. Many construction contracts require completed operations additional insured coverage for a stated number of years after completion, and the contractor must renew policies with matching endorsements for that period. The endorsement only protects the client while a policy containing it is in force.

Is CG 20 37 needed if the policy has blanket additional insured wording?

Possibly not, if the blanket wording includes completed operations. Some blanket endorsements cover ongoing work only, while others, or a companion form, extend to completed work. Read the blanket wording carefully and confirm it applies to completed operations before telling a client the contract requirement is met.

General information only. It is not legal or insurance advice. Only issued policy documents and endorsements describe actual coverage.