CG 20 37
The standard ISO additional insured endorsement for completed operations, extending coverage to an additional insured after the named insured's work is finished.
What It Is
CG 20 37, titled "Additional Insured — Owners, Lessees or Contractors — Completed Operations," extends additional insured coverage to a scheduled party for claims arising from the named insured's completed work. It is the companion endorsement to CG 20 10 and, together, these two forms provide additional insured coverage for both ongoing and completed operations.
Like CG 20 10, the edition date matters. The CG 20 37 04 13 edition uses "caused, in whole or in part" language, while earlier editions are more restrictive. The endorsement applies the Products-Completed Operations Aggregate limit to claims against the additional insured.
CG 20 37 is essential for construction projects because defective workmanship claims often do not surface until months or years after project completion. Without this endorsement, the additional insured (typically a GC or project owner) would have no coverage under the subcontractor's policy for post-completion claims.
Why It Matters for Brokers
For construction brokers, CG 20 37 is non-negotiable on virtually every subcontractor account. GCs and owners require it because their greatest exposure often occurs after the sub leaves the site. A leaking roof, failing foundation, or defective electrical system may not manifest until long after the work is done. Brokers who fail to secure CG 20 37 leave their client's upstream parties without completed operations AI coverage — a gap that will surface at the worst possible time.
Real-World Example
A waterproofing subcontractor completes work on a $12M commercial building in August 2024. In March 2026, water intrusion through the subcontractor's membrane causes $520,000 in damage to interior finishes and tenant property. The building owner, named as an additional insured via CG 20 37 04 13 on the sub's CGL policy, tenders the claim to the sub's insurer. Because CG 20 37 extends additional insured coverage to completed operations, the sub's $1M per occurrence limit responds, and the $2M products-completed operations aggregate absorbs the claim.
Common Mistakes
- 1Forgetting to request CG 20 37 when adding CG 20 10 — they serve different purposes and must be added as a pair for complete protection.
- 2Not verifying that the carrier actually issued CG 20 37 after it was requested — some carriers resist adding completed operations AI coverage.
- 3Assuming a blanket additional insured endorsement automatically includes completed operations coverage when many blanket forms cover only ongoing operations.
How brokerageaudit.com Handles This
Policy Checker automatically checks for the pairing of CG 20 10 and CG 20 37 on every CGL policy with additional insured requirements. It flags any policy that has CG 20 10 without CG 20 37, treating the missing completed operations endorsement as a critical gap. COI Manager references both endorsement numbers on certificates issued for construction accounts.