TradeGuardAdditional insured for completed operations (CG 20 10 vs. CG 20 37)
CG 20 10 adds you as additional insured for ongoing operations, while the work is happening. CG 20 37 adds you for completed operations: claims that surface after the job is finished. In construction you generally want both, because the biggest claims often appear years later.
The two windows of risk
A subcontractor's work creates liability in two periods: while they're actively working (ongoing operations) and after they've finished and left (completed operations). The classic completed-operations claim is the electrical connection that causes a fire two years after the building opened, or the roof detail that leaks after the next big storm. If your additional insured status only covers ongoing operations, a claim that surfaces post-completion may find you with no coverage from the sub at all.
CG 20 10 and CG 20 37
In common ISO practice, CG 20 10 grants additional insured status for ongoing operations, and CG 20 37 grants it for completed operations: the products-completed operations hazard. They're separate endorsements for a reason. Requiring only CG 20 10 is one of the most common and expensive gaps in subcontractor insurance, because the long-tail claims are exactly the ones that land after the job closes.
What to require
For construction subs, require additional insured status for both ongoing and completed operations, and make sure the completed-operations coverage stays in force for as long as your state's statute of repose could allow a claim. Edition dates matter too: different editions of CG 20 10 changed the scope of coverage, so confirm the specific endorsement and edition with your broker.
When a subcontractor uploads a certificate, TradeGuard reads it and records whether you're listed as an additional insured, and the exact name shown. Set “require additional insured” on a trade, and any sub whose COI doesn't include it is flagged automatically, so a missing endorsement doesn't slip onto your site unnoticed.
TradeGuard tracks additional-insured status, the named party, and your endorsement notes in one place. It doesn't replace reading the actual endorsement form; always confirm the specific form and edition with your broker.
This is general information, not legal or insurance advice. Endorsement forms, editions, and coverage vary; confirm requirements with your broker and the terms of your subcontract.
FAQ
Is CG 20 10 enough on its own?+
Usually not for construction. CG 20 10 covers ongoing operations. Claims that surface after the work is complete need completed-operations additional insured coverage, commonly via CG 20 37.
How long should completed-operations coverage last?+
Ideally for as long as a claim could still be brought, tied to your state's statute of repose for construction. Requiring the sub to maintain it for several years after project completion is common practice.
Stop trusting the checkbox
TradeGuard reads every subcontractor's certificate, records whether you're listed as additional insured, and flags the ones that aren't, before they're on your job site.
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