CG 20 37: Additional Insured - Owners, Lessees or Contractors - Completed Operations
Current Edition: 12 19 · Full ID: CG 20 37 12 19
Have a CG 20 37?
Upload it for instant AI analysis — form identification, coverage impact, gap detection, and E&O risk scoring.
What Is CG 20 37?
This endorsement extends additional-insured protection to cover claims that arise after the named insured's work is finished. For example, if a subcontractor completes a roofing job and a leak causes damage two years later, the general contractor (as additional insured) is covered under the sub's policy. Without this form, only ongoing-operations coverage exists via CG 20 10.
Technical Summary: Extends additional-insured status to the products-completed operations hazard for scheduled entities. Must be used in conjunction with CG 20 10, which handles ongoing operations. Together they provide full additional-insured coverage. Coverage is subject to the same causation and sole-negligence restrictions present in the companion ongoing-operations form.
What CG 20 37 Covers
- +Bodily injury or property damage included within the products-completed operations hazard
- +Claims arising from the named insured's work after that work has been completed or abandoned
- +Construction defect liability attributed to the named insured's completed scope of work
What CG 20 37 Does NOT Cover
- -Ongoing operations (handled by CG 20 10)
- -Sole negligence of the additional insured
- -Liability unrelated to the named insured's completed work
- -Professional or design-related liability
- -Warranty or contractual liability beyond standard tort claims
Key Provisions
- ●Coverage is exclusively for the products-completed operations hazard -- it does not duplicate ongoing-operations coverage
- ●The additional insured must be scheduled by name, matching the schedule on the companion CG 20 10
- ●Coverage is limited to liability caused, in whole or in part, by the named insured's work
- ●Subject to the products-completed operations aggregate limit, not the general aggregate
Edition History
- • Added sole-negligence exclusion for the additional insured
- • Aligned causation language with updated CG 20 10 04/13
- • Tightened nexus between completed work and covered claim
- • Minor formatting and cross-reference updates
- • No substantive coverage changes
Common Mistakes & E&O Warnings
Failure to attach CG 20 37 is the number-one additional-insured coverage gap in the insurance industry. Construction defect claims routinely surface 3-10 years after project completion. If the additional insured has only CG 20 10 (ongoing operations), the claim is denied outright. The issuing agency's E&O carrier then faces a professional liability claim for the gap. This is a well-documented, frequently litigated failure pattern.
- ⚠Assuming CG 20 10 alone provides completed operations coverage (it has not since the 07/04 edition)
- ⚠Believing completed-operations coverage is unnecessary because the project has been inspected and accepted
- ⚠Not understanding that construction defect statutes of repose can extend 6-12 years -- the coverage must persist
- ⚠Failing to verify that the insurer will actually issue CG 20 37 (some carriers exclude it or charge a significant premium)
Frequently Asked Questions
Why do I need CG 20 37 if I already have CG 20 10?
CG 20 10 only covers claims during active work. CG 20 37 covers claims after work is finished -- such as construction defect claims that can surface years later. Without both, the additional insured has a major gap.
When was CG 20 37 first introduced?
CG 20 37 was introduced in the 07/04 edition cycle, specifically because the 07/04 edition of CG 20 10 removed completed-operations coverage that had been included in earlier editions.
Does every carrier offer CG 20 37?
Not always. Some carriers refuse to issue completed operations AI coverage or charge a substantial additional premium. Agencies must verify availability with each carrier before promising this coverage to certificate holders.
How long does CG 20 37 coverage last after project completion?
Coverage under CG 20 37 applies to claims arising from completed work during the policy period. To maintain protection, the endorsement must remain on the policy at each renewal for as long as the statute of repose allows claims -- often 6-12 years.
Analyze any endorsement in 30 seconds
Upload a PDF or paste endorsement text. Our AI identifies the form, explains coverage impact, detects gaps, and scores E&O risk — instantly.
Analyze Your Endorsement