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ISO amended the 2013 form CG 20 38. This form is used to add a blanket additional insured to a policy. New terms limit coverage: (T)he insurance afforded to such additional insured described above\u2026Only applies to the extent permitted by law\u2026. (Emphasis added).
The CG 20 10 covers the additional insured with respect to liability caused by your ongoing operations. \u201cOngoing operations\u201d does not include \u201ccompleted operations.\u201d Therefore, the current form CG 20 10 does not include completed operations coverage for the additional insured.
The CG 20 10 covers the additional insured with respect to liability caused by your ongoing operations. \u201cOngoing operations\u201d does not include \u201ccompleted operations.\u201d Therefore, the current form CG 20 10 does not include completed operations coverage for the additional insured.
Wording in the CG 20 33 is essentially the same as the CG 20 10 with the only major difference being the additional wording stating that additional insured status ends when the work contracted for is completed (no completed operations coverage is extended to the additional insured).
CG 20 37 04 13: Additional Insured \u2013 Owners, Lessees Or Contractors \u2013 Completed Operations. Covers the additional insured for liability arising from injury or damage occurring after the work is completed.
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A significant difference between the CG 20 10 and CG 20 33, is CG 20 33's 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.
CG2037 4/13 This endorsement contains the same limitations and conditions as the CG2010 EXCEPT that this endorsement insures the additional insured for completed operations of the contractor and not ongoing operations. This endorsement supplements the CG2010.
CG 20 37 04 13: Additional Insured \u2013 Owners, Lessees Or Contractors \u2013 Completed Operations. Covers the additional insured for liability arising from injury or damage occurring after the work is completed.

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