Construction GL & COI Playbook • ISO CG 20 10 & CG 20 372026 Clause Template • 100% AnonymousClause Danger Score: 97/100Typical Exposure: $75,000 – $500,000+ in denied Completed Operations defense & indemnity

ISO CG 20 10 & CG 20 37 Additional Insured Completed Operations

Over 75% of construction defect and bodily injury lawsuits occur AFTER the project is finished ("Completed Operations"). Yet brokers and subcontractors routinely deliver Certificates of Insurance (COIs) carrying only ISO CG 20 10 (Ongoing Operations) or ISO CG 20 33 (Automatic Additional Insured — Direct Written Contract Required), while omitting ISO CG 20 37 (Completed Operations). Worse, upstream MSAs and design-build contracts combine strict 12/19 ISO endorsement demands with overbroad "Work Made for Hire" IP seizures.

Real-World Financial Loss Case Study & PreventionDocumented Loss: $320,000 denied Completed Operations & subcontractor defect claim

General Contractor Left With $320,000 Uninsured Water Defect Claim Due to Missing CG 20 37 & CG 22 94 Exclusion

What Went Wrong (Unredlined Draft)

A GC collected a subcontractor COI showing "Additional Insured: Yes," but the actual binder only attached ISO CG 20 10 (Ongoing Operations)—omitting ISO CG 20 37 (Completed Operations)—and the GC’s own GL policy contained ISO CG 22 94 deleting the Subcontractor Exception.

How EndorseIQ™ Prevents It Automatically

EndorseIQ™ mandates both ISO CG 20 10/20 38 and CG 20 37 (Completed Operations), strikes ISO CG 22 94 and CG 21 39, and enforces Primary & Non-Contributory (CG 20 01) vertical exhaustion.

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Free 2026 Copy-Paste Clause Template (First 60% Unlocked • Cross-Section Carve-Out Gated)

“ADDITIONAL INSURED — OWNERS, LESSEES OR CONTRACTORS — AUTOMATIC STATUS WHEN REQUIRED IN CONSTRUCTION AGREEMENT WITH YOU (ISO CG 20 33): Who Is An Insured is amended to include any person or organization for whom you are performing operations ONLY when you and such person or organization have agreed in writing in a contract or agreement that such person be added as an additional insured, and all coverage ends when your operations for that additional insured are completed.”

“BLANKET ONGOING & COMPLETED OPERATIONS ADDITIONAL INSURED (ISO CG 20 10 + CG 20 37 / CG 20 38): (a) Commercial General Liability policy is endorsed with both ISO CG 20 10 (or CG 20 38 Blanket without direct privity limitation) for Ongoing Operations AND ISO CG 20 37 for Products-Completed Operations Hazard, maintained through the applicable state statute of repose; (b)

Counterparties override this cap in 3 other sections. Scan your full PDF free (60s) to unlock cross-section protection.

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What to Say to the GL Carrier & Upstream GC / Owner Requirements

"A COI checkmark alone doesn’t trigger coverage—we need the actual ISO CG 20 10 (or CG 20 38 covering upstream owners without direct contract privity) AND ISO CG 20 37 Completed Operations endorsements attached to the binder, alongside our standard background IP carve-out."

Why they drafted it this way: Subcontractor GL carriers exclude CG 20 37 Completed Operations or use CG 20 33 "direct privity" wording so they can deny defense to the upstream Property Owner (who only signed a contract with the GC, not with the subcontractor).

Mandatory Audit Checklist Points

Require both ISO CG 20 10 (Ongoing Operations) AND ISO CG 20 37 (Completed Operations) endorsements
Use ISO CG 20 38 instead of CG 20 33 so upstream Owners/Lenders are covered without direct contract privity
Verify edition dates (04/13 or 12/19) and ensure no sub-limit caps apply to Additional Insureds
Carve out pre-existing engineering/agency tooling from "Work Made for Hire" clauses in design-build MSAs

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EndorseIQ™ Policy & Binder Scanner

ACTIVE ENGINE: ENDORSEIQ™ (MULTI-HOP ISO & COVERAGE GRAPH)

1. Select Policy / COI Playbook & Protected RoleAuto-Tailored to Your Protected RoleConstruction GL & Subcontractor • Protecting: General Contractors, Subs & Builders

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Drop PDF / .DOCX anywhere, or press Cmd+V / Ctrl+V to paste policy, COI, or endorsement text

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COMMERCIAL GENERAL LIABILITY (CGL) CONSTRUCTION BINDER & ENDORSEMENT SCHEDULE

THIS COMMERCIAL GENERAL LIABILITY BINDER ("Policy") is issued by VANGUARD SPECIALTY E&S INSURANCE CO. ("Carrier") to APEX BUILDERS & MECHANICAL CONTRACTORS INC. ("Named Insured") with limits of $1,000,000 Each Occurrence / $2,000,000 General Aggregate / $2,000,000 Products-Completed Operations Aggregate.

SECTION 1. ENDORSEMENT CG 21 39 — CONTRACTUAL LIABILITY LIMITATION (DELETION OF INSURED CONTRACT).
This Policy is modified by ISO Endorsement CG 21 39. The definition of "Insured Contract" in Section V (Definitions) of Commercial General Liability Coverage Form CG 00 01 is amended by deleting Paragraph f. in its entirety. Consequently, this Policy provides ZERO coverage for any tort liability assumed by Named Insured in any construction subcontract, Master Services Agreement (MSA), AIA contract, or hold-harmless indemnity agreement with an Owner or General Contractor.

SECTION 2. ENDORSEMENT CG 22 94 — EXCLUSION: DAMAGE TO WORK PERFORMED BY SUBCONTRACTORS ON YOUR BEHALF.
This Policy is modified by ISO Endorsement CG 22 94. Exclusion l. (Damage to Your Work) of Section I — Coverage A (Bodily Injury and Property Damage Liability) is replaced to delete the subcontractor exception. This insurance does not apply to "Property Damage" to "your work" arising out of it or any part of it and included in the "products-completed operations hazard," even if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor.

SECTION 3. ADDITIONAL INSURED SCHEDULE — ONGOING OPERATIONS ONLY (OMISSION OF CG 20 37 COMPLETED OPERATIONS).
Blanket Additional Insured coverage for upstream General Contractors and Project Owners is provided exclusively under Endorsement CG 20 10 (Ongoing Operations). Coverage for Additional Insureds terminates the moment Named Insured's active operations at the jobsite cease. Endorsement CG 20 37 (Additional Insured — Owners, Lessees or Contractors — Completed Operations) is NOT attached, leaving Named Insured in breach of all post-completion subcontract insurance requirements.

SECTION 4. MANUSCRIPT ACTION-OVER / EMPLOYEE BODILY INJURY & LABOR LAW EXCLUSION (ENDT. GL-904).
Notwithstanding anything to the contrary in the "Employer's Liability" exclusion, this Policy does not apply to any claim, suit, contractual indemnity demand, or third-party "Action-Over" impleader brought by an Owner, General Contractor, or third party seeking contribution or indemnification for "Bodily Injury" to any employee, leased worker, temporary worker, or employee of any subcontractor of Named Insured (including any claim arising under New York Labor Law §§ 200, 240, or 241).

SECTION 5. MANUSCRIPT RESIDENTIAL, MULTI-FAMILY, MIXED-USE CONVERSION & SUBSIDENCE EXCLUSION (ENDT. GL-918).
This insurance does not apply to any "bodily injury," "property damage," or defense expense arising out of construction, remodeling, repair, or subcontracting work on any tract housing, condominium, townhouse, apartment building, dormitory, or mixed-use building containing residential units, or any structure converted to residential use at any time. Furthermore, all claims arising out of earth movement, soil settlement, underpinning, shoring, or subsidence are excluded in their entirety.

Optional — Deal Context or Special Concerns (e.g., "5-year retail lease in Texas" or "$40k fixed-fee dev build")

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Frequently Asked Questions

Why does ISO CG 20 33 deny Additional Insured coverage to the Property Owner on a subcontract?

ISO CG 20 33 requires a direct written contract ("when you and such person or organization have agreed in writing in a contract with you"). Because a trade subcontractor signs a contract only with the General Contractor (and not directly with the Property Owner), courts hold that CG 20 33 provides zero Additional Insured coverage to the Owner! Always require ISO CG 20 38 or scheduled CG 20 10 + CG 20 37.

What happens if a subcontractor’s policy has CG 20 10 but is missing CG 20 37?

ISO CG 20 10 terminates the exact moment the subcontractor finishes its work at the jobsite. If a pipe leaks, a balcony fails, or a patron trips 2 weeks after substantial completion, CG 20 10 pays $0—only ISO CG 20 37 covers the Products-Completed Operations Hazard.

How do I redline ISO CG 20 10 CG 20 37 Additional Insured Completed Operations audit traps in my Construction GL & Subcontractor anonymously without creating an account?

Upload your Construction GL & Subcontractor PDF or Word (.docx) draft to ExclusionRadar.com to run the "ISO CG 20 10 & CG 20 37 Additional Insured Completed Operations" defense cartridge 100% anonymously—with zero account registration, zero email login, and stateless in-memory processing. EndorseIQ™ flags ISO CG 20 10 CG 20 37 Additional Insured Completed Operations audit exposure (typically $75,000 – $500,000+ in denied Completed Operations defense & indemnity; documented unredlined loss: $320,000 denied Completed Operations & subcontractor defect claim), checks for cross-section overrides, and exports a ready-to-send Microsoft Word (.docx) Track-Changes file.

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Danger Score: 98/100

ISO CG 22 94 Subcontractor Work & Action-Over Exclusion Audit

Surplus-lines and low-cost construction GL binders frequently attach three coverage-destroying endorsements: (1) ISO CG 22 94 or CG 22 95, which deletes the critical "Subcontractor Exception" to the "Your Work" exclusion (meaning if a subcontractor you hired causes a $400,000 water or structural defect, your GL policy pays $0); (2) ISO CG 21 39 (Contractual Liability Limitation), which deletes coverage for indemnity obligations in your construction contracts; and (3) an "Action-Over / Employee of Independent Contractor" exclusion.

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Danger Score: 90/100

ISO CG 20 01 Primary & Non-Contributory + CG 24 04 Subrogation

Even when a contractor or vendor has a $1M GL policy and a $5M Umbrella policy, a missing ISO CG 20 01 (Primary and Non-Contributory) endorsement or an Umbrella "Other Insurance" clause can trigger "Horizontal Exhaustion"—allowing the subcontractor’s Umbrella carrier to refuse to pay until the upstream Owner’s and GC’s own primary policies are exhausted first. Similarly, an ISO CG 24 04 Waiver of Subrogation that requires a scheduled list instead of blanket wording leaves you open to carrier subrogation suits.

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Danger Score: 97/100

Construction Subcontractor Agreement Redline Auditor (Pay-if-Paid & Retainage)

General Contractor (GC) subcontracts are notoriously one-sided. A "Pay-if-Paid" clause means if the property owner gets into a dispute with the GC over something completely unrelated to your trade, the GC never has to pay you for your completed work and materials.

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Danger Score: 86/100

NDA & Confidentiality Agreement Redline Auditor (Residuals & Hidden Non-Solicits)

Enterprise counterparties regularly sneak a "Residuals Clause" into standard NDAs stating that anything their employees "retain in their unaided memory" after reading your pitch deck or source code can be freely used to build a competing product.

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