CG 20 10: Additional Insured for Completed Operations

Understanding the CG 20 10 for Ongoing Operations

Many insurance professionals who manage Commercial General Liability (GCL) policies see requests to add the CG 2010 form, also recognized as the ongoing endorsement form. This ISO CG 20 10 extends additional coverage to a named entity for ongoing operations carried out by the named insured.

What CG 20 10 Covers

The CG 2010 Endorsement grants additional insured status to the entity named on the endorsement schedule. Its primary function is liability coverage that stems from the primary insured’s ongoing operations. If a subcontractor is actively working on a job site and a claim arises because of that work, the endorsement offers protection for the party included in the policy.

Key features include:

Coverage for liability claims related to the named insured’s ongoing work, including bodily injury and property damage.
Frequent use in construction contracts to meet risk transfer terms and insurance requirements.
Defense and indemnification rights for the additional insured, subject to policy conditions and limits of insurance.

Comparison with CG 20 37

Another relevant endorsement is CG 20 37, generally associated with completed operations. The table below outlines differences between CG 20 10 and CG 2037 forms:

Each endorsement covers a different phase of operations. Determining which one to use depends on the project’s specifics and the requirements stated in contracts or agreements.

Feature	CG 20 10 (Ongoing)	CG 20 37 (Completed)
Coverage Trigger	Date of incident	Date the claim is reported
Common Use	Construction projects still underway	Post-completion exposure for claims
Contractual Requirement	Requested when a project owner or GC seeks coverage during active work	Mandated if responsibility continues after completion

Practical Value

General contractors and project owners frequently request CG 20 10 to secure protection while a subcontractor is still on the job. It reflects standard risk transfer practices in construction and ensures the additional insured has a defense option if a claim involves the subcontractor’s work. This additional insured endorsement is typically confirmed through a certificate of insurance.

Misconceptions

A common misconception is that CG 2010 applies to every incident on a project site. In reality, it only addresses liability from ongoing operations by the named insured. If damage involves another contractor’s work or occurs after completion, CG 20 10 may not respond.

Another confusing area is whether adding an additional insured ensures primary coverage. Policy language and the underlying contractual agreements govern how coverage layers work, including who is an insured and the scope of insurance afforded.

Endorsement Wording and Updates

Over time, the CG 2010 endorsement has changed as an insurance policy modification. Older versions like CG 20 10 11 85 offered broader coverage, while newer editions such as CG 20 10 04 13 focus more narrowly on the named insured’s direct activities.

Tips for Insurance Professionals

Review the edition of CG 2010 in the policy, as the wording can vary (for example, CG 20 10 11 85 vs. CG 20 10 10 01).
Confirm that the correct additional insured is listed as a scheduled person or organization on the endorsement schedule.
Check contracts for coverage requirements or trigger terms that might influence how the endorsement applies

Key Takeaways

CG 2010 endorses coverage for an additional insured associated with a named insured’s ongoing work and performance of operations.
Misunderstandings often arise from incorrect assumptions about coverage scope or primary status.
ISO forms have changed over time, so always verify the edition date (for instance, note the differences between CG 2010 11 85 and CG 20 10 04 13).
Communication with underwriters, brokers, and contractual partners is key to avoiding coverage pitfalls that stem from acts or omissions.