What are CG 20 39 and CG 20 40 (blanket completed operations)?
They are the blanket versions of CG 20 37: they give additional insured status for your completed work to anyone your written construction contract requires, without scheduling each party by name. CG 20 39 12 19 reaches only the party you contracted with; CG 20 40 12 19 also reaches the other parties that contract requires you to add, such as the owner.
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Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
The forms, side by side
CG 20 37
- What it does
- Completed operations for a named party at a named location
- Blanket or scheduled
- Scheduled
- Carrier availability
- Widely available
- What to ask your agent
- Is this project and party on the schedule?
- Common trap
- A blank or generic schedule can leave the job uncovered
CG 20 39
- What it does
- Completed operations for whoever you contract with
- Blanket or scheduled
- Blanket
- Carrier availability
- Varies by carrier
- What to ask your agent
- Do we have a blanket completed operations form?
- Common trap
- Does not reach the owner when your contract is with the general contractor
CG 20 40
- What it does
- CG 20 39 plus the other parties that contract requires
- Blanket or scheduled
- Blanket
- Carrier availability
- Varies by carrier
- What to ask your agent
- Does the blanket reach parties we have no contract with?
- Common trap
- Only as long as the policy in force when the claim arrives still carries it
Carrier blanket forms
- What it does
- Carrier wording, often ongoing and completed in one form
- Blanket or scheduled
- Blanket
- Carrier availability
- Varies by carrier
- What to ask your agent
- Send us the form
- Common trap
- Some carrier blankets cover ongoing operations only
The detail
CG 20 39 12 19 adds "any person or organization for whom you have performed operations when you and such person or organization have agreed in writing in a contract or agreement that such person or organization be added as an additional insured on your policy," for completed operations only.
CG 20 40 12 19 adds the same parties plus "any other person or organization you are required to add as an additional insured under the contract or agreement," for injury or damage caused in whole or in part by your work performed for them and included in the products-completed operations hazard.
CG 20 37 12 19 covers only the person or organization shown in its schedule, for injury or damage caused in whole or in part by "your work" at the location designated and described in the schedule and included in the products-completed operations hazard.
What this means for you
- Completed operations claims arrive later. The policy that answers one is the policy in force when the injury or damage happens, which may be several renewals after the job. The blanket form has to still be on it.
- Pair the forms. CG 20 33 goes with CG 20 39, and CG 20 38 goes with CG 20 40. A policy with a blanket ongoing form and only a scheduled CG 20 37 covers your finished work for nobody you forgot to schedule.
- Cheaper policies drop this one first. Ongoing operations for additional insureds is nearly universal. Completed operations is where cheaper contractor policies are narrower, so check it by form number.
Related questions
- Does CG 20 40 replace CG 20 37?
It does the same job without a schedule. A contract that names CG 20 37 "or equivalent" is usually satisfied by CG 20 40, because CG 20 40 reaches at least the same parties. Ask the general contractor if the contract names CG 20 37 alone.
- Why are these forms less common than CG 20 37?
ISO added them in the 12 19 edition cycle, so many policies were written before carriers adopted them, and some carriers use their own blanket wording instead. Varies by carrier, so ask for the form number.
- How long does completed operations coverage last?
As long as you keep renewing a policy that carries it. Contracts often require it for a stated number of years after completion, and that promise binds every renewal in the period.
- Years after completion, explained
- Can you check the insurance requirements in my contract?
Yes. Paste the insurance section into our free Contract Insurance Decoder and it names the endorsement behind each clause, flags the ones that are often missing, and prints a checklist, without the text leaving your browser. Send that with your current policy and a licensed agent compares them line by line, usually the same business day.
- Open the Contract Insurance Decoder
Need this handled?
Reading about it and having it handled are different jobs, and the second one is ours. We place the accounts other brokers decline — claims history, a cancellation, an unusual operation, a business nobody wants to underwrite twice — and we will tell you when the policy you already have is the right one. Tell us the situation and a licensed human replies the same business day.
Written by Kevin Kelsey, founder and principal agent, CA License #6011822, at Boring Insurance. Last updated 2026-10-05. See all guides.