Cg2037 2025

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The document is an endorsement to a Commercial General Liability policy, specifically the CG 20 37 07 04 form. It adds additional insured status for owners, lessees, or contractors concerning completed operations, covering liability for bodily injury or property damage related to the insured's work at specified locations.

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What is a cg 20/37 endorsement?

The CG 20 37 endorsement is specifically designed to extend coverage for Completed Operations, which refers to work that has been finished or completed. It protects against liabilities arising from completed projects, such as property damage or bodily injury that occurs after the work is completed.

What is the purpose of the additional insured?

An additional insured extends liability insurance coverage beyond the named insured to include other individuals or groups. An additional insured endorsement protects the additional insured under the named insurers policy allowing them to file a claim if sued.

What is the difference between general liability and completed operations liability?

In summary, completed operations coverage focuses on claims related to completed work that leads to bodily injury or property damage (included under general liability), while errors omissions insurance covers claims arising from mistakes, negligence, or failure to perform professional duties.

What is the difference between CG 20 33 and CG 20 38?

Whereas the CG 20 33 only provides additional insured status where there is a direct written contract, the CG 20 38 extends coverage to any other person or organization you are required to add as an additional insured under the contract or agreement.

What does additional insured completed operations mean?

Completed operations extends coverage beyond a contract or projects conclusion. Should a loss occur after a subcontractor has finished the work, their CGL policy covers property damage and injury suffered by the additional insured or entity which hired the subcontractor for the project.

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Why do landlords want to be listed as additional insured?

Unlike your standard general liability coverage, you do not need to be on the clients premises to trigger coverage. This is why completed operations liability insurance is so critical for contractors. As they complete more and more jobs, they increase the chance that their work will harm someone.

Cg2037 2025

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What is a cg 20/37 endorsement?

What is the purpose of the additional insured?

What is the difference between general liability and completed operations liability?

What is the difference between CG 20 33 and CG 20 38?

What does additional insured completed operations mean?

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Why do landlords want to be listed as additional insured?

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