CG 20 10 vs CG 20 33 — Scheduled vs Automatic Additional Insured
CG 20 10 schedules each AI by name; CG 20 33 grants AI status automatically from the written contract.
What it actually does
CG 20 10 and CG 20 33 both add additional insureds for ongoing operations, but they differ in *how* the party becomes an additional insured. CG 20 10 is *scheduled*: each additional insured must be named on the endorsement. CG 20 33 is *automatic*: anyone the named insured has a written construction agreement with — requiring AI status — is covered, with no schedule.
The trade-off is verification effort versus certainty. A scheduled CG 20 10 lets you confirm your exact entity is listed, but it can omit you if the sub re-uses an old endorsement. An automatic CG 20 33 can't "miss" you as long as a qualifying signed contract exists — but you have to confirm that contract is in place and predates any loss.
Both are ongoing operations only; pair with CG 20 37 (scheduled) or use CG 20 38 (automatic, bundled) for completed operations. Choose based on whether you'd rather verify a schedule or verify a contract.
Verification checklist
- 01For CG 20 10: confirm your exact entity and project appear on the schedule.
- 02For CG 20 33: confirm a signed written construction agreement requiring AI status is in force before the loss.
- 03Either way, add completed-operations coverage (CG 20 37 or CG 20 38).
- 04Match limits to the subcontract requirement.
Common mistakes
- ·Trusting an automatic form without confirming the underlying written contract exists.
- ·Trusting a scheduled form without confirming your name is actually on it.
Frequently asked questions
Is automatic (CG 20 33) better than scheduled (CG 20 10)?
It depends. Automatic can't omit you if a qualifying contract exists, but requires proof of that contract; scheduled lets you verify the schedule but can miss you if re-used carelessly.
Do both cover completed operations?
No — both are ongoing operations only. Add CG 20 37 (with CG 20 10) or use CG 20 38 (the automatic bundled form) for completed operations.
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This page explains CG 20 10 vs CG 20 33 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.