What is additional insured for ongoing operations (CG 20 10)?
It extends additional insured status to another party for liability arising out of your work while that work is still in progress. It is the endorsement most contracts name first, and on its own it stops responding when the job is finished.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
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The detail
ISO form CG 20 10 extends additional insured status to a designated person or organisation for liability arising out of the named insured’s ongoing operations.
ISO CGL endorsement CG 20 10
Editions of CG 20 10 differ in what they grant, including whether the additional insured is covered for their own negligence and whether coverage is limited to the extent required by the written contract.
ISO CGL endorsement CG 20 10, multiple editions
What this means for you
- The edition date matters as much as the form number. Later editions narrow what the additional insured gets, and a contract written around an older edition may not be satisfied by a newer one.
- A blanket additional insured endorsement — one that automatically covers anyone you have agreed in writing to name — is usually more practical than scheduling each party by name, because it does not require a new endorsement per contract.
- Ongoing operations coverage ends when your work does. If the contract also requires completed operations, that is a second endorsement.
Related questions
- What is a blanket additional insured endorsement?
- One that grants additional insured status automatically to any party you have agreed in writing to add, rather than listing each by name. For a contractor signing several contracts a year it removes an endorsement request from every one of them. Not every carrier offers it, and the ones that do sometimes limit it to the scope the written contract requires — which is generally reasonable, but is worth reading rather than assuming.
- Does adding an additional insured cost me anything?
- Often little or nothing directly, and that is misleading. What it costs is coverage: your limits are now shared with the party you added, and a claim against them erodes the limit available to you. This is the real argument for carrying higher limits or an umbrella on contracts that require additional insured status.
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We do the filings, and we place the accounts other brokers decline — lapsed authority, claims history, new ventures. Tell us the situation and a licensed human replies the same business day.