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.
What it actually does
CG 20 37 extends additional-insured status to cover liability arising out of the named insured's *completed operations* — that is, defects in finished work that cause injury or property damage after the project is done.
This endorsement is almost always required alongside CG 20 10 in construction subcontracts because most construction defect claims surface months or years after work is completed, well outside the ongoing-operations window. Without CG 20 37 (or one of the bundled forms like CG 20 33/38), the GC has no AI protection on completed work.
Like the ongoing-operations form, CG 20 37 requires a schedule listing the AI by name and project. The coverage period is generally tied to the products-completed-operations aggregate of the underlying CGL — if that aggregate is exhausted, AI coverage goes with it.
Verification checklist
- 01Look for CG 20 37 explicitly on every COI, not just on the binder summary.
- 02Confirm both CG 20 10 (ongoing) and CG 20 37 (completed) are present unless using a bundled form.
- 03Verify the schedule lists the GC by exact legal name and the specific project.
- 04Check the products-completed-operations aggregate limit — that's the cap for completed-ops AI claims.
Common mistakes
- ·Accepting just CG 20 10 — completed-ops claims (the most common type in construction defect cases) aren't covered.
- ·Forgetting that completed-operations coverage is subject to the products-completed-operations aggregate, which is a separate, usually-smaller limit than the general aggregate.
- ·Missing that some subcontractors carry it in bundled form (CG 20 38) and don't realize they're covered.
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