CG 20 10 vs CG 20 37: What's the Difference for Contractors?
What Is CG 20 10?
ISO Form CG 20 10 provides additional insured coverage exclusively for bodily injury or property damage caused by the subcontractor during active, ongoing operations on site.
The moment work is completed or put to intended use, protection under CG 20 10 terminates.
What Is CG 20 37?
ISO Form CG 20 37 extends additional insured protection to the products-completed operations hazard, covering property damage and bodily injury that occur after the subcontractor has finished work and left the jobsite.
Protects against latent construction defect claims occurring months or years later.
CG 20 10 vs CG 20 37 Comparison
| Feature | CG 20 10 | CG 20 37 |
|---|---|---|
| Coverage Scope | Ongoing operations on site | Completed operations (post-occupancy) |
| Operational Phase | During active construction | After punch list and turnover |
| Coverage Trigger | Jobsite accidents, dropped tools | Latent leaks, pipe bursts, structural issues |
| Common Contract Term | Project duration | Statute of repose (1 to 10 years) |
Verifying Endorsements on the ACORD 25
Learn how to inspect the Description of Operations box for required endorsement citations before work begins.
Automate Endorsement Verification
SubDoc's automated compliance engine scans Description of Operations text for CG 20 10, CG 20 37, and primary non-contributory wording automatically.
Learn more about automated COI tracking software for contractor complianceFrequently Asked Questions
Yes. Subcontractors frequently provide CG 20 10 without CG 20 37 because carriers may charge extra premiums or exclude completed operations for specific high-risk trades.
No. CG 20 37 covers the products-completed operations hazard, applying only after work is completed or put to its intended use. It does not cover ongoing jobsite accidents.
In ISO standard insurance forms, CG stands for Commercial General Liability. The numbers that follow indicate the specific coverage category and form sequence.
The edition date indicates the specific wording revision. Earlier editions like 11/85 covered both ongoing and completed operations under one form, while editions after 2001 separated ongoing operations (CG 20 10) from completed operations (CG 20 37).
Because most insurance carriers no longer issue the 11/85 edition, the standard equivalent is to provide both modern ISO forms: CG 20 10 (for ongoing operations) combined with CG 20 37 (for completed operations).