CG 20 38 Additional Insured - Owners, Lessees Or Contractors - Automatic Status For Other Parties When Required In Written Construction Agreement

An Insurance Services Office (ISO) standard form. It automatically makes anyone you agree in a written construction contract to add as an additional insured, and other parties that contract requires, insureds for 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 capped by the applicable limits of insurance, without requiring them to be shown in the Declarations.

     04 13

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

     12 19

     “Available under the applicable limits of insurance;”

   • Coverage for ongoing operations now expressly applies to both the contracting party and the other parties the contract requires you to add.

     04 13

     Not in this edition

     12 19

     “your ongoing operations for the additional insured described in Paragraph 1. or 2. above”

1 other edition date appears in one or two filings each, often carrier-specific versions: 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, 22 companies filed the 12 19 edition and 1 company filed 04 13.
• CG 20 33 (Additional Insured – Owners, Lessees or Contractors – Automatic Status When Required in a Written Construction Agreement with You) is filed alongside it most often, in 153 of the same filings (99%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 38 in 1 filing
• WR Berkley Corporation GroupUses CG 20 38 in 1 filing
• Fairfax Financial GroupUses CG 20 38 in 2 filings

• CG 20 33Additional Insured – Owners, Lessees or Contractors – Automatic Status When Required in a Written Construction Agreement with You153 filings
• CG 20 01Primary and Noncontributory - Other Insurance Condition149 filings
• CG 20 35Additional Insured – Grantor of Licenses – Automatic Status When Required by Licensor141 filings
• CG 20 15Additional Insured – Vendors140 filings
• CG 20 28Additional Insured – Lessor of Leased Equipment140 filings
• CG 20 36Additional Insured – Grantor of Licenses140 filings
• CG 20 37Additional Insured - Owners, Lessees or Contractors - Completed Operations140 filings
• CG 20 26Additional Insured – Designated Person or Organization139 filings
• CG 20 27Additional Insured - Co-Owner of Insured Premises139 filings
• CG 20 34Additional Insured - Lessor of Leased Equipment - Automatic Status When Required in Lease Agreement with You139 filings