ISO · General Liability
CG 20 10
Additional Insured — Ongoing Operations (Scheduled)
Additional Insured — Owners, Lessees or Contractors — Scheduled Person Or Organization (ISO)
Grants Additional Insured status to a specifically scheduled person or organization for liability arising out of the named insured's ongoing operations performed for that party.
What it does
CG 20 10 is the most-requested Additional Insured endorsement in commercial contracting. It extends the named insured's GL coverage to a third party scheduled by name on the endorsement (or matched by a blanket reference) for liability arising out of the named insured's ongoing operations performed for that scheduled party. It covers premises and operations exposures during the active phase of a contract but stops at completed operations — for finished-work liability, pair it with CG 20 37. The 2013 edition narrowed coverage to the extent permitted by law in the state of the loss, which can substantially limit recovery in anti-indemnity-statute states.
When you need it
- A general contractor requires every subcontractor on a job to name them as AI on the sub's GL.
- A property manager requires AI status on each vendor's GL for premises liability arising from the vendor's work at managed properties.
- A lessor requires AI status on a tenant's GL for liability arising out of tenant operations.
Common mistakes
- Using CG 20 10 alone on a completed project — it only covers ongoing operations. Pair with CG 20 37 for completed-operations cover.
- Accepting a 1985 or 1993 edition date without checking the AI carve-outs — newer 2013+ editions added the 'to the extent permitted by law' clause.
- Confusing the scheduled-party form (CG 20 10) with the blanket-status form (CG 20 33 / 20 38). The scheduled form requires the AI to be listed by name or matched to a contract reference.
Related forms
- CG 20 37Additional Insured — Completed Operations (Scheduled)General Liability · ISO
- CG 20 33Additional Insured — Automatic Status (Construction Agreement)General Liability · ISO
- CG 20 38Additional Insured — Automatic Status (Other Parties)General Liability · ISO
- CG 20 01Primary and Non-ContributoryGeneral Liability · ISO
Verifying CG 20 10 on a real certificate?
Bindly Compliance auto-verifies endorsement attachment, named parties, and edition dates on every COI we track. Description-only language and missing forms surface as deficiencies in your dashboard before they become claims.