CG 20 37 vs CG 20 10 — Completed vs Ongoing Operations
CG 20 10 covers ongoing operations; CG 20 37 covers completed operations. You almost always need both.
What it actually does
CG 20 10 and CG 20 37 are companion scheduled additional-insured forms that cover two different timing windows. CG 20 10 grants the additional insured coverage for liability arising out of the named insured's *ongoing operations* — work in progress. CG 20 37 grants coverage for liability arising out of *completed operations* — finished work that later causes injury or property damage.
The reason this comparison matters so much in construction: most construction-defect claims surface months or years after the work is done, squarely in the completed-operations window. A GC who accepts only CG 20 10 has additional-insured protection while the sub is on site but none once the project is finished — exactly when defect claims arrive. That's why subcontracts almost universally require both forms (or a bundled automatic form like CG 20 38, which covers both).
Bottom line: CG 20 10 alone is not enough. Pair it with CG 20 37, or require CG 20 38.
Verification checklist
- 01Confirm BOTH CG 20 10 (ongoing) and CG 20 37 (completed) are attached — or a bundled CG 20 38.
- 02Match the editions of the two forms (e.g. both 04 13).
- 03Check the products-completed-operations aggregate for the CG 20 37 side.
- 04Verify the schedule on each names you and the project.
Common mistakes
- ·Accepting CG 20 10 alone and assuming completed operations are covered — they aren't.
- ·Mismatching editions between the ongoing and completed-ops forms.
Frequently asked questions
Do I need both CG 20 10 and CG 20 37?
Almost always, yes. CG 20 10 covers ongoing operations and CG 20 37 covers completed operations; construction-defect claims usually arrive in the completed-operations window.
Can one form replace both?
Yes — CG 20 38 is an automatic-status form that bundles ongoing and completed operations, so it can stand in for the CG 20 10 + CG 20 37 pair.
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This page explains CG 20 37 vs 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.