Cg20100413 2025

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CG 20 37 (Edition 10/01): Provides additional insured status with respect to the products-completed operations hazard in connection with the named insureds work. Coverage applies only for completed operations claims there is no coverage for premises and operations which can be included by applying CG 20 10 ED 10 01.
The letters indicate the type of coverage: CG = General Liability; CA = Commercial Auto; CF = Property.
There is also a risk of being under-insured or uninsured as additional insureds. Second, there is the risk of breaching a contract, thus potentially becoming the insurer of the other party when they are the party obligated to provide additional insured coverage.
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.
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The CG 20 10 additional insured endorsement extends coverage to your clients. What makes the CG 20 10 11/85 endorsement different and the clients preference is the phrase: your work. After November 1985 (hence 11/85), the term your work was replaced with your ongoing operations.

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