CG 20 37 Additional Insured - Owners, Lessees or Contractors - Completed Operations Endorsement

An Insurance Services Office (ISO) standard form. Adds a person or organization named in the schedule as an additional insured for injury or damage caused by your completed work at a described location.

1. 12 19 edition

   Dec 2019, compared with 04 13Latest edition

   • The additional insured limit no longer points to the declarations.

     04 13

     “Available under the applicable Limits of Insurance shown in the Declarations”

     12 19

     “Available under the applicable limits of insurance”

2. 04 13 edition

   Apr 2013, compared with 07 04

   • Coverage applies only to the extent the law allows, and no broader than the contract requires.

     07 04

     Not in this edition

     04 13

     “only applies to the extent permitted by law”

   • Adds a limit: the lesser of the contract requirement or the policy limits.

   • Adds the Products/Completed Operations Liability Coverage Part to the coverage parts it modifies.

3. 07 04 edition

   Jul 2004, compared with 10 01

   • Narrows the grant from "arising out of" your work to injury caused by it.

     10 01

     “liability arising out of "your work"”

     07 04

     “caused, in whole or in part, by "your work"”

3 other edition dates appear in one or two filings each, often carrier-specific versions: 05 20, 10 13, 10/1/2020.

Where filings record what this form replaced, they name earlier edition 04 13 and other forms CG 32 63 10 05. Only some filings record replacements.

• Edition in use: in the past 12 months, 38 companies filed the 12 19 edition and 10 companies filed 07 04.
• CG 20 10 (Additional Insured – Owners, Lessees or Contractors – Scheduled Person or Organization) is filed alongside it most often, in 348 of the same filings (97%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 37 in 1 filing
• WR Berkley Corporation GroupUses CG 20 37 in 15 filings
• Fairfax Financial GroupUses CG 20 37 in 2 filings

• CG 20 10Additional Insured – Owners, Lessees or Contractors – Scheduled Person or Organization348 filings
• CG 20 26Additional Insured - Designated Person or Organization Endorsement238 filings
• CG 20 11Additional Insured – Managers or Lessors of Premises195 filings
• CG 20 28Additional Insured – Lessor of Leased Equipment189 filings
• CG 20 12Additional Insured – State or Governmental Agency or Subdivision or Political Subdivision – Permits or Authorizations186 filings
• CG 20 18Additional Insured – Mortgagee, Assignee or Receiver184 filings
• CG 20 27Additional Insured – Co-Owner of Insured Premises181 filings
• CG 20 15Additional Insured – Vendors180 filings
• CG 20 24Additional Insured – Owners or Other Interests From Whom Land Has Been Leased179 filings
• CG 20 07Additional Insured – Engineers, Architects or Surveyors178 filings