Additional insured endorsements: CG 20 10 vs CG 20 37
Additional-insured status is the single most demanded protection in commercial contracts, and it's controlled by endorsement forms — so it's exactly the kind of thing a renewal can quietly change. Two ISO forms do most of the work, and the difference between them decides whether the additional insured is still covered after the job is finished.
This explains the FACTS and purpose of the forms for renewal-checking; it does not reproduce their copyrighted text.
CG 20 10 — ongoing operations
The CG 20 10 grants additional-insured status for liability arising out of the named insured's ONGOING operations — while the work is in progress. Its coverage generally ends when operations are complete. Edition dates matter here: later editions narrowed the grant relative to older ones, so an edition change at renewal is worth flagging.
CG 20 37 — completed operations
Most construction and installation claims surface AFTER the work is done. The CG 20 37 extends additional-insured status to the products/completed-operations hazard — the years after handover. Contracts that require completed-ops coverage need both forms; a renewal that keeps CG 20 10 but drops CG 20 37 silently ends the protection the contract was written to secure.
Checking AI endorsements at renewal
The renewal check on additional insureds:
- Both the ongoing (CG 20 10) and completed-operations (CG 20 37) forms present this term if they were last term — a dropped 20 37 is the classic silent gap.
- Edition dates compared, since a newer edition can narrow the grant.
- Scheduled vs. blanket AI endorsements identified, and the schedule checked for the parties the account requires.
- Any carrier-specific or manuscript AI endorsement flagged for human review rather than assumed equivalent.
Frequently asked questions
Why would a renewal drop CG 20 37?
Usually not deliberately — a re-underwritten renewal is rebuilt from the carrier's current forms, and the completed-operations endorsement can simply not carry forward. That's exactly why comparing the renewal's form schedule to the prior term's matters.
Does the additional-insured checkbox on a certificate prove the endorsement?
No — the certificate checkbox is an assertion; the endorsement form on the policy is the proof. Policy checking works from the actual policy forms, which is where the coverage really lives.
Diff your first renewal free — upload the prior policy and the renewal, and see what changed in about a minute. No signup wall, no demo call.