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 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. The 04 13 and later editions add the same "not broader than required by contract" limiting language found in CG 20 10.
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.
Which edition do you have?
CG 20 37 tracks CG 20 10's edition history. The 07 04 edition uses the "caused, in whole or in part, by" trigger; the 04 13 edition adds the "not broader than required by the contract" limitation and caps coverage at the lesser of contract-required or policy limits. Match the CG 20 37 edition to the CG 20 10 edition on the same policy.
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.
Frequently asked questions
Why do I need CG 20 37 if I already have CG 20 10?
CG 20 10 only covers ongoing operations. Most construction-defect claims arise after the work is finished, which is completed operations — and only CG 20 37 (or a bundled form like CG 20 38) extends additional-insured status to that period.
How long does CG 20 37 coverage last?
It's generally tied to the policy's products-completed-operations aggregate and the policy period in force; require the sub to keep completed-operations coverage in place for the statute-of-repose period in your state.
Is CG 20 37 the same as CG 20 38?
No. CG 20 37 is the scheduled completed-operations companion to CG 20 10. CG 20 38 is an automatic-status form (contract-triggered) that bundles ongoing and completed operations together.
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This page explains CG 20 37 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.