CG 20 33 Additional Insured – Owners, Lessees or Contractors – Automatic Status When Required in Construction Agreement With You

An Insurance Services Office (ISO) standard form. It makes anyone you agree in a written contract to add as an additional insured, while you perform operations for them, an insured for injury or damage caused by your ongoing operations, with exclusions for professional services and completed work.

1. 12 19 edition

   Dec 2019, compared with 04 13Latest edition

   • The additional insured's limit is now the lesser of the contract requirement or the applicable limits of insurance, no longer tied only to the limits shown in the Declarations.

     04 13

     “This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.”

     12 19

     “This endorsement shall not increase the applicable limits of insurance.”

2. 04 13 edition

   Apr 2013, compared with 07 04

   • Coverage for the additional insured now applies only to the extent permitted by law and is no broader than the contract requires.

     07 04

     Not in this edition

     04 13

     “Will not be broader than that which you are required by the contract or agreement to provide for such additional insured.”

   • The professional services exclusion now also applies to claims alleging negligent supervision, hiring, employment, training or monitoring.

     07 04

     Not in this edition

     04 13

     “This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring”

   • A new limits provision caps what is paid for the additional insured at the lesser of the amount the contract requires or the available limits.

     07 04

     Not in this edition

     04 13

     “The most we will pay on behalf of the additional insured is the amount of insurance:”

3 other edition dates appear in one or two filings each, often carrier-specific versions: 05 20, 03 97, 10/1/2020.

Where filings record what this form replaced, they name earlier edition 04 13. Only some filings record replacements.

• Edition in use: in the past 12 months, 26 companies filed the 12 19 edition and 8 companies filed 04 13.
• CG 20 01 (Primary and Noncontributory - Other Insurance Condition) is filed alongside it most often, in 158 of the same filings (88%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• Berkshire Hathaway GroupUses CG 20 33 in 1 filing
• WR Berkley Corporation GroupUses CG 20 33 in 1 filing
• Fairfax Financial GroupUses CG 20 33 in 2 filings

• CG 20 01Primary and Noncontributory - Other Insurance Condition158 filings
• CG 20 10Additional Insured - Owners, Lessees or Contractors - Scheduled Person or Organization155 filings
• CG 20 28Additional Insured – Lessor of Leased Equipment153 filings
• CG 20 38Additional Insured - Owners, Lessees or Contractors - Automatic Status for Other Parties When Required in Written Construction Agreement153 filings
• CG 20 15Additional Insured – Vendors152 filings
• CG 20 26Additional Insured – Designated Person or Organization151 filings
• CG 20 11Additional Insured – Managers or Lessors of Premises150 filings
• CG 20 12Additional Insured - State or Governmental Agency or Subdivision or Political Subdivision - Permits or Authorizations150 filings
• CG 20 34Additional Insured - Lessor of Leased Equipment - Automatic Status When Required in Lease Agreement with You150 filings
• CG 20 18Additional Insured – Mortgagee, Assignee or Receiver149 filings