CG 20 10 is the ISO additional insured endorsement for ongoing operations, and CG 20 37 is its completed operations counterpart. Neither one exists just because the ADDL INSD box is ticked on an ACORD 25. The proof is the endorsement page itself: the form number, the edition date printed in the bottom corner, and your company name in the Schedule. Upload the certificate and its attachments above and COISoftware reads all of them and tells you what you actually hold.
Last updated August 2026
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Every description below is taken from the ISO endorsement form itself, not from a certificate or a broker summary. If a vendor sends you a form number that does not appear here, it is either a carrier proprietary form or a withdrawn edition, and it has to be read on its own terms rather than assumed to be equivalent.
| ISO form | Official title printed on the form | What the grant actually covers | Completed operations? | Schedule required? |
|---|---|---|---|---|
| CG 20 10 04 13 | ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - SCHEDULED PERSON OR ORGANIZATION | Liability caused, in whole or in part, by your acts or omissions in the performance of your ongoing operations for the additional insured at the scheduled location | No. Paragraph B ends coverage once the work is complete or put to its intended use | Yes. Name and location of covered operations |
| CG 20 37 04 13 | ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - COMPLETED OPERATIONS | Liability caused, in whole or in part, by your work at the scheduled location and included in the products-completed operations hazard | Yes. This is the form that closes the CG 20 10 gap | Yes. Name and location of covered operations |
| CG 20 26 04 13 | ADDITIONAL INSURED - DESIGNATED PERSON OR ORGANIZATION | Liability caused by your acts or omissions in the performance of your ongoing operations, or in connection with premises you own or rent. No location column and no completed operations cutoff exclusion | Not expressly granted, and not expressly cut off either. Do not treat it as a substitute without reading it | Name only. There is no location column |
| CG 20 11 04 13 | ADDITIONAL INSURED - MANAGERS OR LESSORS OF PREMISES | Liability arising out of the ownership, maintenance or use of the part of the premises leased to the tenant | Not applicable. This is a landlord form, not a construction form | Yes. Premises designation and name |
| CG 20 33 07 04 | ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - AUTOMATIC STATUS | Any person or organization for whom you are performing operations when you have agreed in writing that they be added. Ongoing operations only | No. The same ongoing operations limit as CG 20 10 | No, but a written contract must exist |
| CG 20 15 04 13 | ADDITIONAL INSURED - VENDORS | Bodily injury or property damage arising out of your products, shown in the Schedule, distributed or sold in the regular course of the vendor business | Products liability, which is the whole point of the form | Yes. Vendor name and the specific products |
Form numbers are written several ways and all of them mean the same endorsement: CG 20 10 and CG2010, CG 20 37 and CG2037, CG 20 26 and CG2026, CG 20 11 and CG2011, CG 24 04 and CG2404. The two most common insurance requirements in United States construction contracts are written as CG 20 10 and CG 20 37, or as the phrase form CG 20 37 or equivalent. Requiring both is not belt and braces. It is the only way to be an additional insured while the work is going on and after it is finished.
The ACORD 25 (2016/03) has exactly two endorsement columns, ADDL INSD and SUBR WVD. Neither one carries a form number, an edition date or a Schedule, and that is where all of the meaning lives.
A tick in ADDL INSD tells you somebody believes an additional insured endorsement is attached. It does not tell you whether it is CG 20 10, CG 20 26, CG 20 33 or a carrier form that reads nothing like any of them. Two vendors can both send you a ticked box and hold completely different coverage.
CG 20 10 stops at substantial completion. Paragraph B of the 04 13 edition excludes bodily injury or property damage occurring after all work on the project has been completed, or after that portion of your work has been put to its intended use. Most construction claims arrive after the job is done, which is exactly when a CG 20 10 alone has already stopped responding.
CG 20 10 11 85 covered ongoing and completed operations together. The 10 01 edition narrowed it to ongoing operations and ISO published CG 20 37 to carry the rest. The 07 04 edition swapped arising out of your work for caused, in whole or in part, by. Requiring a CG 20 10 without naming an edition leaves the choice with the vendor.
From the 04 13 edition onward the endorsement says that where coverage is required by a contract, the insurance afforded will not be broader than what the contract required, and the most the insurer will pay is the amount required by the contract or the policy limit, whichever is less. Require one million dollars from a vendor carrying ten million and you get one million.
CG 20 10 is a scheduled form. If the Name Of Additional Insured Person(s) Or Organization(s) column is empty, or names a parent company rather than the entity holding the contract, or the Location(s) Of Covered Operations names a different job site, the endorsement can be genuine and still not cover you.
Endorsements travel with a policy term. A vendor who supplied a correct CG 20 10 and CG 20 37 in March can renew in March of the next year onto a policy where the blanket wording changed or the schedule was never rebuilt. The certificate looks the same. The endorsement behind it does not.
None of this is exotic. It is the ordinary result of a one page summary being asked to prove the contents of a multi page policy, and the form says so itself. The IMPORTANT block on the ACORD 25 reads: if the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed, and a statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). The Independent Insurance Agents of Texas put the same point more bluntly in their certificate guidance: an additional insured is not added to the policy just because the certificate says the certificate holder is an additional insured. If you want to know what you have, read the additional insured endorsement itself.
COISoftware reads the certificate and every attached endorsement page together, so the form number, edition date and Schedule are checked as data rather than eyeballed at the end of a long day.
The AI pulls CG 20 10 or CG 20 37 and the edition marker printed beside it, so a 10 01 edition arriving where your contract requires 04 13 is visible as a data point instead of a detail somebody has to spot in a scanned corner.
Scheduled forms are only as good as the names typed into them. The Schedule is read and compared against the entity on your contract, so a parent company name or a stale job site address is flagged rather than filed.
A submission carrying CG 20 10 with no CG 20 37, CG 20 39 or CG 20 40 is flagged as ongoing operations only. That is the single most common additional insured gap in United States construction, and it is invisible on the certificate face.
Additional insured, waiver of subrogation and primary and noncontributory endorsements are stored against the vendor and the policy term they belong to, so an audit or a claim does not turn into an email search.
Expiration alerts fire at sixty, thirty and fifteen days, and a renewal is treated as a new packet to verify rather than a date to update. Endorsement wording changes at renewal more often than most buyers expect.
Define what each class of vendor owes you, including which additional insured forms, and every incoming submission is measured against that profile automatically instead of against somebody memory.
This is the manual sequence. The software runs the same four checks on every submission, which is the only reason it scales past a few dozen vendors.
Request the actual endorsement attached to the policy. A certificate is evidence that somebody issued a certificate. The endorsement is evidence of coverage.
Tip: Write it into the contract: certificate plus copies of all required endorsements.
Both print in the top right and bottom corners of an ISO endorsement, for example CG 20 10 04 13. Confirm the number matches what your contract required and note the edition, because the grant changed materially in 10 01, 07 04, 04 13 and 12 19.
Tip: A CG 20 10 with no CG 20 37 beside it means ongoing operations only.
On CG 20 10 the Schedule has two columns, Name Of Additional Insured Person(s) Or Organization(s) and Location(s) Of Covered Operations. Check the entity name against your contract and the location against the job site.
Tip: If the Schedule is blank, look for wording that pulls the names from the Declarations.
On 04 13 and later editions your insurance requirements clause is a ceiling, not a floor. The endorsement will not be broader than what your contract required, and pays the lesser of the required amount and the policy limit.
Tip: Draft requirements as limits of not less than, so a vendor carrying more does not get capped down to your minimum.
The people who read these forms for a living are almost never in the insurance business. They are in construction, real estate and procurement, and the endorsement lands on their desk as a compliance task.
General contractors carry the largest exposure here. A subcontractor packet with a CG 20 10 and nothing else leaves the general contractor without additional insured status for the years after the project closes, which is exactly the window in which construction defect claims arrive. Since the December 2019 revision that gap is narrower than it used to be, because ISO introduced CG 20 39 and CG 20 40, automatic status forms that reach completed operations. A packet with no CG 20 37 is therefore no longer automatically a gap, but it does have to be read rather than assumed.
Property managers usually need two different forms and often ask for the wrong one. The vendor doing work at a building supplies CG 20 10 or CG 20 33. The tenant naming the owner and the management company on a lease is describing CG 20 11, ADDITIONAL INSURED - MANAGERS OR LESSORS OF PREMISES, which grants liability arising out of the ownership, maintenance or use of that part of the premises leased to the tenant and excludes any occurrence after the tenant ceases to be a tenant.
Procurement and supplier teams meet a third case. A distributor or reseller putting its own name on a manufacturer policy is not performing operations for the manufacturer, so CG 20 10 does not fit the relationship at all. The form built for it is CG 20 15, ADDITIONAL INSURED - VENDORS, which covers the vendor for injury or damage arising out of the scheduled products distributed or sold in the regular course of its business. Getting that one wrong is common and quiet, because a CG 20 10 in a reseller file looks perfectly normal until somebody has to tender a products claim.
Risk and compliance teams inherit the record keeping. When a claim is tendered the carrier asks for the endorsement in force on the date of loss, not the certificate that was current at onboarding. Keeping each endorsement attached to the policy term it belongs to is what makes that request a lookup instead of an investigation, which is why COI verification software stores the endorsement pages rather than a summary of them.
CG 20 10 is the ISO endorsement titled ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - SCHEDULED PERSON OR ORGANIZATION. It amends Section II, Who Is An Insured, of a commercial general liability policy to include the person or organization named in its Schedule, but only for liability caused, in whole or in part, by the named insured acts or omissions in the performance of its ongoing operations for that additional insured at the scheduled location.
Timing. CG 20 10 covers you while the vendor work is going on and stops there. CG 20 37 covers liability caused by that work after it is finished, as part of the products-completed operations hazard. Before the 10 01 revision a single CG 20 10 11 85 covered both. ISO split them, which is why United States construction contracts now name both forms together.
An endorsement that grants additional insured status for the products-completed operations hazard. Since December 2019 that includes CG 20 39 and CG 20 40, the automatic status completed operations forms, where CG 20 39 requires direct privity with the named insured and CG 20 40 does not. A carrier proprietary form may also qualify, but it has to be read, because equivalent is a contract word and not an ISO one.
Name one rather than leaving it open. The 04 13 and 12 19 editions are the current market wording, and both include the two limitations that matter to you: coverage applies only to the extent permitted by law, and where a contract requires it the insurance will not be broader than the contract required. The older 11 85 edition is broader for you but is rarely available from carriers today.
No. The 11 85 and 10 01 editions used arising out of your work, which courts read broadly. The 07 04 revision replaced it with caused, in whole or in part, by your acts or omissions, and every edition since has kept that phrase. It is a narrower trigger tied to fault, and it is the single most consequential wording change in the form history.
Not as such. CG 20 10 is a scheduled form. The automatic, or blanket, equivalents are CG 20 33 and CG 20 38, which extend status to anyone the named insured has agreed in writing to add. The Big I certificate panel advises against writing the word blanket on a certificate at all, and suggests wording such as an additional insured as per the attached endorsement instead.
CG 20 26, ADDITIONAL INSURED - DESIGNATED PERSON OR ORGANIZATION, has no location column and covers ongoing operations generally or liability in connection with premises you own or rent. It also omits the paragraph B completed operations cutoff that CG 20 10 carries. It is not a drop-in substitute in either direction, and a contract that names CG 20 10 is not satisfied by a CG 20 26 without agreement.
CG 20 11 is the landlord form. It grants additional insured status for liability arising out of the ownership, maintenance or use of the part of the premises leased to the tenant, and it excludes any occurrence after the tenant ceases to be a tenant, and structural alterations, new construction or demolition performed by or for the landlord. Use CG 20 11 for a lease and CG 20 10 for work performed under a contract.
Only if your entity is named in the Schedule, or the endorsement pulls names from the Declarations, and only for the operations and location it describes. A ticked ADDL INSD box on the certificate proves nothing on its own. The ACORD 25 says so in its own IMPORTANT block: a statement on the certificate does not confer rights in lieu of the endorsement.
Yes, and this surprises most buyers. From the 04 13 edition onward CG 20 10 pays the lesser of the amount your contract required and the limits available under the policy, and the coverage will not be broader than your contract asked for. Requiring one million dollars from a vendor who carries ten million leaves you with one million. Write requirements as limits of not less than.
From the vendor insurance agent, as part of the submission. ISO forms are copyrighted and carriers supply the endorsement attached to the specific policy, which is the copy that matters to you because it carries the completed Schedule. Sample copies published by state agent associations are useful for reading the wording but prove nothing about a particular vendor coverage.
Automate the reading. COISoftware pulls the form number, edition date and Schedule from every attached endorsement page, compares them against the requirement profile you set for that vendor tier, and flags anything missing, mismatched or expiring. Starter is $49 per month and Plus is $149 per month, with no per-vendor minimum.
The full CG 20 series, what each form grants and how the editions changed.
Phrase by phrase, what the wording in the box does and does not prove.
What to require from each vendor tier, with the ISO forms named by number.
The certificate of liability insurance field by field, including both endorsement columns.
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