Form library / General liability
CG 20 10
Additional Insured — Owners, Lessees or Contractors — Scheduled Person or Organization
Edition in catalog: 04 13 · endorsement
What this number is
CG 20 10 is the scheduled additional-insured endorsement for owners, lessees, or contractors. It is the form most general contractors and owners ask to see when they want to appear on your GL policy for ongoing operations.
What it changes on a policy
It adds the person or organization named in the schedule as an additional insured, but only for liability arising out of your ongoing operations or premises you own or rent. Who is listed, and how they are listed, is the whole point of the endorsement.
What it does not do
CG 20 10 does not, by itself, cover completed operations after you leave the job. That is usually CG 20 37. It also does not automatically make coverage primary and noncontributory; that wording, if present, is a separate endorsement or manuscript change.
Where it shows up
On the policy, it appears on the forms schedule with a schedule of names. On a certificate of insurance it is often listed in the description of operations box. The certificate is not the endorsement.
What to look for
- The scheduled name matches the contract (legal entity, not a trade name)
- Whether CG 20 37 is also listed for completed operations
- Primary and noncontributory language elsewhere on the policy
- Blanket additional-insured forms (CG 20 33 / CG 20 38) if no one is scheduled
Coverbird reads the declarations and form schedule on the PDF you already have. It does not sell insurance or say whether a limit is enough.
Upload a policy to find this on yoursRelated glossary
- Additional insured
Someone added to your liability policy by endorsement, usually because a contract asked for it.
- Certificate of insurance
A snapshot someone else asked for. It is not the policy and does not change the policy.
- Primary and noncontributory
Wording that says your policy should respond first and not seek contribution from the additional insured’s own policy.
- Products-completed operations
Liability arising after you finish the work or after your product is out of your hands.
Related forms
- CG 20 01 — Additional Insured — Owners, Lessees or Contractors — Scheduled Person or Organization
- CG 20 11 — Additional Insured — Managers or Lessors of Premises
- CG 20 12 — Additional Insured — State or Governmental Agency
- CG 20 13 — Additional Insured — State or Political Subdivisions — Permits
- CG 20 15 — Additional Insured — Vendors
- CG 20 26 — Additional Insured — Designated Person or Organization