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. The edition date matters: the 04 13 and later editions cap the additional insured's coverage at the limits required by the contract and add "not broader than" language.
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).
Which edition do you have?
CG 20 10 has several editions and the differences are material. The 10 01 edition grants AI status for liability "arising out of your ongoing operations." The 07 04 edition narrowed the trigger to liability "caused, in whole or in part, by" the named insured's acts or omissions. The 04 13 edition added two limiters: AI coverage is "not broader than" what the contract requires, and is capped at the lesser of the contract-required limits or the policy limits. Always read the edition date in the lower corner of the form.
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.
Frequently asked questions
Does CG 20 10 cover completed operations?
No. CG 20 10 covers only ongoing operations (work in progress). For completed-operations additional-insured coverage you need CG 20 37 alongside it, or a bundled form like CG 20 38.
What is the difference between CG 20 10 and CG 20 37?
CG 20 10 grants additional-insured status for ongoing operations; CG 20 37 extends it to completed operations after the work is finished. Construction subcontracts typically require both.
Which edition of CG 20 10 should I require?
Most GCs require the 04 13 (or later) edition, but be aware it caps the additional insured's coverage at the limits the contract requires. Older 10 01 editions are broader for the AI but less common today.
Is a checked 'Additional Insured' box on the COI enough?
No. The box is informational only. You need the actual CG 20 10 endorsement attached, with the schedule naming you and the project.
Checking a COI for CG 20 10?
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Check a COI for CG 20 10 →Related endorsements
This page explains CG 20 10 in plain English for COI verification. It is informational only and is not legal or insurance advice — confirm the actual endorsement language and have your counsel or insurance agent review your specific requirements.