Additional Insured — Owners, Lessees or Contractors — Automatic Status For Other Parties When Required In Written Construction Agreement
Automatic AI status including completed operations — the bundled equivalent of CG 20 33 + CG 20 37.
What it actually does
CG 20 38 is the automatic-status form that includes both ongoing-operations and completed-operations coverage. It's effectively CG 20 33 + CG 20 37 in one endorsement: any party with whom the named insured has a written construction agreement is automatically an additional insured for both work in progress and work after completion.
This is the gold-standard endorsement for AI status in construction — one form, contract-driven, both timing windows covered. Many GCs explicitly require CG 20 38 in their subcontract because it eliminates the bundling-mistake risk where someone forgets to attach CG 20 37.
Like other automatic forms, it requires a written executed subcontract specifying AI status. The same "lower of" limits cap applies.
Verification checklist
- 01Verify a signed written subcontract requires AI status.
- 02Confirm the endorsement is the 2013 or later edition (earlier editions had narrower triggers).
- 03Check the 'lower of' limit cap against subcontract requirements.
- 04Confirm the subcontract was signed before any loss event for automatic status to apply.
Common mistakes
- ·Treating CG 20 38 as covering all parties broadly — it only covers parties with written contracts requiring AI status.
- ·Missing that the policy edition matters; older versions had different language.
- ·Assuming higher AI limits than the policy actually carries (the lower-of cap).
Verify CG 20 38 on every sub's COI automatically
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