Cg 20 10 12 19 pdf 2025

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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
By providing coverage for the subcontractor via an additional insured endorsement, you are protecting yourself in the case that the subcontractor makes a costly mistake that leads to a lawsuit and the subcontractor is also protected in the event that you make a mistake that leads to a lawsuit in which they are named.
The CG 20 10 covers the additional insured with respect to liability caused by your ongoing operations. Ongoing operations does not include completed operations. Therefore, the current form CG 20 10 does not include completed operations coverage for the additional insured.
A significant difference between the CG 20 10 and CG 20 33, is CG 20 33s requirement that there must be a written contract or agreement between the additional insured and the named insured. As a way to explain the significance of the written contract requirement, imagine a custom home building project.
The CG 2010 Ongoing Operations Endorsement is a provision typically included in commercial general liability (CGL) insurance policies. It specifically caters to contractors and subcontractors involved in construction projects.
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Endorsement CG 2032, Additional InsuredEngineers, Architects or Surveyors Not Engaged by the Named Insured, addresses the bodily injury and property damage exposures that design professionals commonly face when working with contractors.
The letters indicate the type of coverage: CG = General Liability; CA = Commercial Auto; CF = Property.

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