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CG2038 4/13 This endorsement is very similar to CG2033. The primary difference between these two endorsements is that CG2038 applies to a party or parties requiring additional insured status within a construction agreement that are not the actual contracting party with the contractor.
A person or group at risk of being sued due to a connection to the primary insureds business or operations should be added as an additional insured. Examples include a landlord added to a tenants coverage or a contractor added to a subcontractors coverage, among others.
Explanation: This endorsement, while available for a Loan Policy, is designed for issuance with an Owners Policy. It contemplates acquisition of an interest in the insured under the policy (i.e., the record owner) and adds an Additional Insured (the new investor in that record owner) by the endorsement.
Basic Concepts. An additional insured is a party that does not qualify as an insured under the standard GL . They must be added by an endorsement that changes the who is an insured section of the policy. Additional insured endorsements limit coverage to a specific relationship or set of circumstances.
The CG 2037 Completed Operations Endorsement is an additional provision added to a general liability insurance policy. It is primarily designed to extend coverage beyond the policys expiration date for any claims arising from completed operations.
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The CG 20 33 07 04 endorsement, entitled Additional Insured-Owners, Lessees or Contractors-Automatic Status When Required in Construction Agreement With You, provides coverage to any person or organization for whom you [the named insured] are performing operations when you and such person or organization have agreed

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