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The CG 20 43 is an endorsement to a Commercial General Liability (CGL) policy that automatically grants additional insured status to any person or organization when a written contract or agreement between the named insured and that party requires it.
The current form CG 20 10 after 1985 does not provide coverage to the additional insured for completed operations. It only provides coverage for ongoing operations, and this was a completed operations exposure. If they also wanted coverage for completed operations, they would need a CG 20 37 endorsement.
CG 20 37 04 13: Additional Insured Owners, Lessees Or Contractors Completed Operations. Covers the additional insured for liability arising from injury or damage occurring after the work is completed.
CG 00 01 04 13 COMMERCIAL GENERAL LIABILITY COVERAGE FORM. Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.
The form CG 2037 provides coverage for liability claims that might arise once a project is done. Traditional additional insured endorsements, like the ongoing operations endorsement form CG 20 10, typically address active work.

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