ISO · General Liability
CG 20 33
Additional Insured — Automatic Status (Construction Agreement)
Additional Insured — Owners, Lessees Or Contractors — Automatic Status When Required In Construction Agreement (ISO)
Grants Additional Insured status automatically to any party the named insured is required to name in a written construction agreement — no schedule entry needed.
What it does
CG 20 33 is the blanket equivalent of CG 20 10 for construction work. Instead of scheduling each AI by name, the form grants status automatically to any person or organization the named insured agreed in a written construction contract to add as an additional insured. The trigger is restrictive: the contract must be 'a written contract for construction' specifically and the loss must arise out of the named insured's ongoing operations. CG 20 33 explicitly excludes coverage where it is broader than what the contract required, and like CG 20 10 the 2013+ editions added the 'to the extent permitted by law' qualifier.
When you need it
- A subcontractor with dozens of GC relationships who would otherwise need a scheduled CG 20 10 per project.
- Large commercial trade contractors (electrical, mechanical) where adding each AI by schedule is administratively impractical.
- Programs where the broker prefers a blanket grant for ease of certificate issuance.
Common mistakes
- Accepting CG 20 33 on a non-construction contract — service agreements and supply contracts may not trigger the form's grant.
- Forgetting that completed-operations coverage still requires a separate endorsement (CG 20 39 or CG 20 37 scheduled).
- Assuming the blanket form grants broader rights than the contract specifies — the form explicitly caps coverage at what the contract required.
Related forms
- CG 20 10Additional Insured — Ongoing Operations (Scheduled)General Liability · ISO
- CG 20 37Additional Insured — Completed Operations (Scheduled)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 33 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.