Questions

What is a CG 2010 endorsement?

Standard

What is a CG 2010 endorsement?

The most common additional insured endorsement for contractors is the CG 20 10. The CG 20 10 covers the additional insured with respect to liability caused by your ongoing operations. “Ongoing operations” does not include completed operations.

What is a CG 2037 endorsement?

CG 20 37 04 13: Additional Insured – Owners, Lessees Or Contractors – Completed Operations. Covers the additional insured for liability arising from injury or damage occurring after the work is completed.

What is cg2038 endorsement?

Thus, if a subcontractor were required in the general contractor/subcontractor agreement to add the project owner as an additional insured, CG 20 38 would include the project owner even though the subcontractor has no direct contractual relationship with the project owner.

What is CG2033 endorsement?

CG2033 4/13. This additional insured endorsement is a blanket additional insured endorsement and has the following limitations and conditions: 1. The additional insured (e.g. project owner, general contractor) is not insured for their sole negligence.

What is the difference between CG2010 and CG2037?

CG2037 4/13 This endorsement contains the same limitations and conditions as the CG2010 EXCEPT that this endorsement insures the additional insured for completed operations of the contractor and not ongoing operations. This endorsement supplements the CG2010.

Why do you need an additional insured endorsement?

An additional insured extends liability insurance coverage beyond the named insured to include other individuals or groups. An additional insured endorsement protects the additional insured under the named insurer’s policy allowing them to file a claim if sued.

What are the two main types of additional insured endorsements?

Additional Insured Endorsements

  • Additional Insured – Owners, Lessees or Contractors – Scheduled Person or Organization (CG2010 4/13)
  • Additional Insured – Owners, Lessees or Contractors – Completed Operations (CG2037 4/13)

What is additional insured completed operations endorsement?

Additional Insured – Completed Operations CG 20 37. The CG 20 37 – Additional Insured – Owners, Lessees or Contractors – Completed Operations has been specifically written to provide coverage to the additional insured for certain bodily injury or property damage claims that occur after the project is finished.

What is a blanket endorsement?

A blanket additional insured endorsement is a form of additional insured language through which a named insured can extend their coverage to multiple third parties without having to specifically name or request additional insured status for each one.

Does CG2033 include completed operations?

These “silent” parties are referred to as “upstream parties.” As with the CG2033, additional insured coverage for these upstream parties is for ongoing operations only. Therefore, a second endorsement should be included that provides coverage for completed operations if required by the contract.

Is CG2010 a blanket?

The CG2038- or CG2010 with blanket language- provides coverage for “any other person or organization you are required to add as an additional insured,” not just those you have a written contract with.

What is primary and noncontributory endorsement?

Primary designates that one party’s liability policy is responsible for responding to a claim first before another entity’s policy applies. Noncontributory stops the primary party’s insurer from seeking contribution from the other entity’s policy for paying a claim.