CG 20 10 vs CG 20 26 — Operations-Based vs Designated-Person AI
CG 20 10 ties AI coverage to the sub's operations for you; CG 20 26 is broader and not scope-limited.
What it actually does
CG 20 10 and CG 20 26 both add a scheduled party as an additional insured, but they frame the coverage differently. CG 20 10 covers liability connected to the named insured's ongoing operations performed *for the additional insured* — it's tied to the working relationship between the two. CG 20 26 adds a designated person or organization without limiting coverage to a specific scope of operations, making it broader in principle.
In practice, post-2013 editions narrowed CG 20 26 with the same limits cap and "not broader than required by contract" language as CG 20 10, so the historical gap is smaller than it used to be. Many subcontracts specifically name CG 20 10 because it's the construction-standard form; accepting CG 20 26 in its place can be a technical breach even when the coverage is comparable.
Neither form includes completed operations on its own — pair with CG 20 37 either way. When a contract specifies one form, provide that form.
Verification checklist
- 01Check which form the subcontract specifies and provide exactly that.
- 02Read the edition date — post-2013 editions of both narrowed the trigger and added a limits cap.
- 03Confirm completed-operations coverage is added separately (CG 20 37).
- 04Verify the schedule names you and the project on whichever form is used.
Common mistakes
- ·Swapping CG 20 26 for a contractually-required CG 20 10 (or vice versa) without approval.
- ·Assuming either form covers completed operations.
Frequently asked questions
Is CG 20 26 broader than CG 20 10?
Historically yes — it isn't limited to a specific scope of operations. But post-2013 editions added the same limits cap, narrowing the practical difference.
Can I substitute one for the other?
Only with agreement. If the subcontract names a specific form, providing a different one can be a breach even if coverage is similar.
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This page explains CG 20 10 vs CG 20 26 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.