ISO · General Liability
CG 20 37
Additional Insured — Completed Operations (Scheduled)
Additional Insured — Owners, Lessees or Contractors — Completed Operations (ISO)
Extends Additional Insured status to liability arising from the named insured's work after it has been completed — the products-completed operations exposure.
What it does
CG 20 37 is the completed-operations counterpart to CG 20 10. A claim arising months or years after a contractor finishes a project — a roof leak after a re-roof, a building defect from a subcontractor's work — falls within the products-completed operations hazard, which CG 20 10 does not reach. CG 20 37 names the scheduled party as AI for that completed-work liability. Lenders and project owners typically require both 20 10 and 20 37 on commercial construction work, and the certificate should reflect the completed-operations aggregate limit separately from the per-occurrence limit.
When you need it
- Any commercial construction contract — owners and GCs require AI for both ongoing and completed operations.
- Subcontractor agreements where the GC carries primary completed-operations liability on the entire project.
- Long-tail service work (HVAC install, plumbing, roofing) where the loss may surface years after substantial completion.
Common mistakes
- Providing only CG 20 10 on a construction project — leaves the AI uncovered for any defect claim that surfaces after the job ends.
- Letting the completed-operations aggregate erode without monitoring — Bindly flags COIs where the products-completed ops aggregate is shared across many additional insureds.
- Substituting a blanket form (CG 20 38) and assuming it covers completed operations identically. Read the form's grant language carefully.
Related forms
- CG 20 10Additional Insured — Ongoing 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 37 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.