ISO · General Liability
CG 20 38
Additional Insured — Automatic Status (Other Parties)
Additional Insured — Owners, Lessees Or Contractors — Automatic Status For Other Parties When Required In Written Construction Agreement (ISO)
Broader blanket Additional Insured form than CG 20 33 — also covers upstream parties (e.g., owner above a GC) when the construction contract requires it.
What it does
CG 20 38 extends the blanket Additional Insured concept to a second tier — not just the party the named insured contracted with directly, but other parties (typically the project owner above the named insured's direct counterparty) when the written construction agreement requires that broader naming. This matters on multi-tier construction projects where a subcontractor's contract with a GC requires naming both the GC and the project owner as AIs. CG 20 33 covers only the direct counterparty; CG 20 38 reaches further up the chain. Like CG 20 33, it is limited to ongoing operations and to the extent permitted by law.
When you need it
- A subcontractor whose contract with a GC requires naming the project owner (the GC's customer) as an AI as well.
- Construction projects with a layered owner / developer / GC / sub stack where each tier needs AI coverage.
- Public works projects where the contracting authority and any agencies named in the bid documents must all be AIs.
Common mistakes
- Substituting CG 20 38 for CG 20 37 — neither blanket form grants completed-operations coverage; you still need a separate completed-ops form.
- Accepting CG 20 38 without confirming the contract actually requires AI status for the additional parties — the form only grants what the contract requires.
- Assuming CG 20 38 alone replaces a scheduled AI request from a non-construction party (e.g., a property owner outside a construction agreement) — the trigger is a 'written construction agreement.'
Related forms
- CG 20 33Additional Insured — Automatic Status (Construction Agreement)General Liability · ISO
- CG 20 10Additional Insured — Ongoing Operations (Scheduled)General Liability · ISO
- CG 20 37Additional Insured — Completed Operations (Scheduled)General Liability · ISO
- CG 20 01Primary and Non-ContributoryGeneral Liability · ISO
Verifying CG 20 38 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.