COI Endorsement Decoder

Additional Insured — Owners, Lessees or Contractors — Scheduled Person Or Organization

Adds the GC or owner as an additional insured on the sub's CGL — for ongoing operations only.

Additional Insured — Designated Person Or Organization

Broader additional-insured form than CG 20 10 — not tied to a specific scope of operations.

Additional Insured — Owners, Lessees Or Contractors — Automatic Status When Required In Construction Agreement With You

Automatic AI status when the subcontract requires it — no schedule needed, but ongoing operations only.

Additional Insured — Owners, Lessees or Contractors — Completed Operations

The completed-operations companion to CG 20 10 — extends AI status to liability arising after work is finished.

Additional Insured — Owners, Lessees or Contractors — Automatic Status For Other Parties When Required In Written Construction Agreement

Automatic AI status including completed operations — the bundled equivalent of CG 20 33 + CG 20 37.

Additional Insured (Ongoing Operations) — 04 13 Edition

The current CG 20 10 edition — adds a limits cap and 'not broader than required by contract' language.

Additional Insured (Ongoing Operations) — 10 01 Edition

The broad, pre-2004 CG 20 10 edition — 'arising out of your ongoing operations,' no limits cap.

Additional Insured (Ongoing Operations) — 07 04 Edition

The 2004 CG 20 10 edition that narrowed the trigger to 'caused, in whole or in part, by' the named insured.

Additional Insured (Completed Operations) — 04 13 Edition

Current completed-operations companion to CG 20 10 04 13 — same limits cap and contract-limiting language.

Additional Insured (Completed Operations) — 07 04 Edition

The 2004 completed-operations companion form, before the 04 13 limits cap.

Additional Insured (Automatic, Ongoing Operations) — 04 13 Edition

Current automatic ongoing-ops AI form — contract-triggered, with the 04 13 limits cap.

Additional Insured (Automatic, Ongoing & Completed Operations) — 04 13 Edition

Current automatic AI form covering ongoing AND completed ops, including upstream required parties.

Additional Insured — Managers Or Lessors Of Premises

Adds a landlord/property manager as AI for liability arising out of the leased premises.

Additional Insured — State Or Governmental Agency Or Subdivision Or Political Subdivision — Permits Or Authorizations

Adds a government body as AI as a condition of a permit — narrow, tied to the permitted operations.

Additional Insured — Vendors

Adds a vendor as AI for liability arising out of the named insured's products they distribute/sell.

Additional Insured — Owners Or Other Interests From Whom Land Has Been Leased

Adds a landowner as AI for liability arising out of operations on land leased to the named insured.

Additional Insured — Lessor Of Leased Equipment

Adds an equipment lessor as AI for liability arising out of the leased equipment's use.

Additional Insured — Engineers, Architects Or Surveyors Not Engaged By The Named Insured

Adds design professionals (not hired by the sub) as AI — but excludes their professional services.

Additional Insured — Lessor Of Leased Equipment — Automatic Status When Required In Lease Agreement With You

Automatic equipment-lessor AI status — triggered by the lease, no schedule needed.

What Is An Additional Insured Endorsement? A Plain-English Guide

How additional-insured status works on a sub's COI, which forms grant it, and what to verify.

Primary And Noncontributory — Other Insurance Condition

Makes the sub's CGL pay first and not seek contribution from the GC's own policy.

What Does Primary And Noncontributory Mean On A COI?

Why GCs require it, how it works with additional-insured status, and the form that grants it.

Waiver Of Transfer Of Rights Of Recovery Against Others To Us

Waiver of subrogation — the sub's CGL insurer agrees not to come after the GC after paying a claim.

Waiver Of Subrogation (CGL) — 05 09 Edition

The scheduled CGL waiver edition — the protected party must be listed by name.

Waiver Of Subrogation (CGL) — 12 19 Edition

The current CGL waiver edition — adds optional blanket wording for contract-required waivers.

Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Auto)

Waiver of subrogation on the Business Auto policy — the auto-policy companion to CG 24 04.

What Is A Waiver Of Subrogation? A Plain-English Guide

Why GCs require waivers, which policies need them, and the forms that grant them.

Contractual Liability Limitation

RESTRICTS CGL contractual-liability coverage — a red flag, not a benefit. Watch for it.

Contractual Liability — Railroads

Broadens 'insured contract' to cover work within 50 feet of a railroad — needed on rail-adjacent jobs.

Waiver Of Our Right To Recover From Others Endorsement

Workers' comp waiver of subrogation — the sub's WC carrier agrees not to pursue the GC after paying an injured worker.

Alternate Employer Endorsement (Workers' Compensation)

Extends a sub's WC to a scheduled 'alternate employer' — common with staffing/labor arrangements.

Designated Construction Project(s) General Aggregate Limit

Per-project aggregate — protects you from limit erosion by claims on the sub's other jobs.

Designated Location(s) General Aggregate Limit

Per-location aggregate — distinct from the per-project form (CG 25 03).

Follow-Form Umbrella / Excess Liability — What It Means

Whether umbrella limits extend AI status and waivers depends on whether the umbrella 'follows form'.

Designated Insured For Covered Autos Liability Coverage

The auto additional-insured form — adds a party as insured under the Business Auto policy.

Employee Benefits Liability Coverage

Adds coverage for errors in administering employee benefit programs — usually orthogonal to sub COIs.

Limitation Of Coverage To Designated Premises Or Project

RESTRICTS coverage to a specific project — make sure your project is the listed one.

Total Pollution Exclusion Endorsement

Excludes ALL pollution claims — important for environmental/abatement subs.

Exclusion — Access Or Disclosure Of Confidential Or Personal Information And Data-Related Liability

Excludes data-breach / cyber liability from the CGL — a gap for tech-touching trades.

Exclusion — Designated Professional Services

Excludes liability from scheduled professional services — a gap for design-build subs.

Employment-Related Practices Exclusion

Excludes employment claims (wrongful termination, harassment) — belongs on an EPLI policy.

Total Pollution Exclusion With A Building Heating, Cooling And Dehumidifying Equipment Exception And A Hostile Fire Exception

A total pollution exclusion that carves back coverage for hostile fire and building HVAC fumes.

Fungi Or Bacteria Exclusion

Excludes mold and bacteria claims — a significant gap on remediation, water, and demo work.

Exclusion — Damage To Work Performed By Subcontractors On Your Behalf

Removes the subcontractor exception from 'your work' — a major construction-defect coverage killer.

Exclusion — Damage To Work Performed By Subcontractors On Your Behalf — Designated Sites Or Operations

Like CG 22 94 but limited to scheduled job sites — still removes subcontractor-defect coverage there.

CG 20 10 covers ongoing operations; CG 20 37 covers completed operations. You almost always need both.

Both are automatic, contract-triggered AI forms; CG 20 38 adds completed operations, CG 20 33 doesn't.

CG 20 10 ties AI coverage to the sub's operations for you; CG 20 26 is broader and not scope-limited.

CG 20 10 schedules each AI by name; CG 20 33 grants AI status automatically from the written contract.

CG 25 03 dedicates an aggregate to a construction project; CG 25 04 dedicates it to a location.

A named insured owns the policy; an additional insured gets limited coverage added by endorsement.

Scheduled forms name each AI; blanket/automatic forms grant AI status via the written contract.