CG 20 10: Additional Insured - Owners, Lessees or Contractors - Scheduled Person or Organization
Current Edition: 12 19 · Full ID: CG 20 10 12 19
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What Is CG 20 10?
This endorsement adds a person or organization (like a property owner or general contractor) as an additional insured on the named insured's CGL policy. It only covers liability arising from the named insured's ongoing work -- once the project is complete, the additional insured has no further protection under this form.
Technical Summary: Grants additional-insured status to scheduled entities for liability arising out of the named insured's ongoing operations performed for the additional insured. Post-2004 editions removed products-completed operations coverage, which must now be provided separately via CG 20 37. The 04/13 edition also introduced explicit contractual-privity and sole-negligence limitations.
What CG 20 10 Covers
- +Bodily injury or property damage arising from the named insured's ongoing operations performed for the additional insured
- +Premises the additional insured owns, rents, leases, or occupies where operations are performed
- +Vicarious liability of the additional insured for acts of the named insured during active work
What CG 20 10 Does NOT Cover
- -Products-completed operations (post-2004 editions)
- -Sole negligence of the additional insured
- -Liability arising from professional services or design errors
- -Liability unrelated to the named insured's work for the additional insured
- -Claims arising after the named insured's operations are complete
Key Provisions
- ●Coverage is limited to liability caused, in whole or in part, by the named insured's acts or omissions
- ●The additional insured must be specifically scheduled by name and address on the endorsement
- ●Coverage applies only while operations are ongoing; it ceases when work is complete
- ●The additional insured's coverage is excess over any other insurance available to them, unless a written contract states otherwise
Edition History
- • Introduced 'caused, in whole or in part' causation language
- • Still included products-completed operations coverage
- • Removed products-completed operations coverage entirely
- • Created the need for CG 20 37 as a companion form
- • Added explicit sole-negligence exclusion for the additional insured
- • Tightened the causal nexus requirement between the named insured's work and the claim
- • Clarified that coverage is limited to the specific ongoing operations described in the schedule
- • Minor formatting and reference updates
- • No substantive coverage changes from 04/13
Common Mistakes & E&O Warnings
This is the single most misunderstood endorsement in the industry. CSRs and producers routinely issue CG 20 10 believing it provides full additional-insured protection, but post-2004 editions exclude completed operations. If a construction defect claim surfaces years after project completion, the additional insured has no coverage -- and the issuing agency faces an E&O claim for failing to also attach CG 20 37.
- ⚠Believing CG 20 10 alone provides complete AI coverage including completed operations (it does not since 07/04)
- ⚠Confusing older editions (11/85) that DID include completed ops with current editions that do NOT
- ⚠Assuming the endorsement makes the named insured's policy primary and non-contributory (it does not -- that requires CG 20 01)
- ⚠Thinking the additional insured is covered for their own sole negligence (04/13+ editions explicitly exclude this)
Frequently Asked Questions
Does CG 20 10 cover completed operations?
No. Since the 07/04 edition, CG 20 10 covers ongoing operations only. You need CG 20 37 for completed operations coverage.
What is the difference between CG 20 10 and CG 20 33?
CG 20 10 requires each additional insured to be individually scheduled by name. CG 20 33 provides blanket automatic status to any entity required by a written construction contract, without individual scheduling.
Is CG 20 10 primary and non-contributory?
Not by itself. CG 20 10 only grants additional-insured status. To make coverage primary and non-contributory, you also need CG 20 01.
Which edition of CG 20 10 should I request?
Request the most current edition (12/19) or the 04/13 edition, plus CG 20 37 for completed operations. Avoid requesting the 11/85 edition -- while it included completed ops, most carriers will not issue it.
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