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.
What it actually does
CG 20 10 is the standard ISO additional-insured endorsement that names a specific person or organization (typically the GC or property owner) as an additional insured under the named insured's commercial general liability policy. It only covers liability arising out of the named insured's *ongoing operations* performed for the additional insured — that is, work in progress.
It does NOT extend coverage to completed operations. For that you need CG 20 37 paired with this form, or use the broader CG 20 33 / CG 20 38 forms which include completed operations automatically.
The endorsement requires a *schedule* — the additional insured must be named in writing on the endorsement itself, on the policy declarations page, or in a written contract referenced by the endorsement.
Verification checklist
- 01Confirm the schedule on the endorsement actually lists the GC or owner by exact legal name (not just 'as required by contract').
- 02Verify the project description on the schedule matches the specific subcontract.
- 03Check the policy effective dates cover the full duration of the work.
- 04If completed-ops coverage is required, look for CG 20 37 alongside this form.
- 05Make sure the underlying CGL limits meet the subcontract requirements (CG 20 10 doesn't increase limits).
Common mistakes
- ·Accepting CG 20 10 alone when the subcontract requires completed-operations coverage — you also need CG 20 37 (or a 2013-or-later form like CG 20 38).
- ·Treating 'as required by written contract' wording as automatic — many older CG 20 10 forms (pre-2013) require the schedule to be filled in explicitly.
- ·Forgetting that this only adds AI status under the CGL — umbrella/excess endorsements are separate.
- ·Assuming the Certificate of Insurance text alone confers AI status; the actual endorsement must be issued.
Verify CG 20 10 on every sub's COI automatically
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