CG 20 10
Scheduled additional insured endorsement associated with the named insured's ongoing operations, subject to the exact edition, schedule, policy, and limitations.
ISO policy forms
ISO CG 20 10: Additional Insured Owners, Lessees or Contractors Scheduled Person or Organization.
Direct answer. An ISO additional insured endorsement commonly used to address scheduled owners, lessees, or contractors for liability connected to the named insured's ongoing operations, subject to the exact edition, schedule, policy, and attached limitations.
Current form access
Use the official ISO CG 20 10 source.
Use the insurer-issued endorsement or authorized Verisk access. Hedge does not publish the ISO file.
Do not include insured information or upload risk files in a form request.
ISO CG 20 10 at a glance
The form identity, in plain English.
- What is ISO CG 20 10 used for?
- An ISO additional insured endorsement commonly used to address scheduled owners, lessees, or contractors for liability connected to the named insured's ongoing operations, subject to the exact edition, schedule, policy, and attached limitations.
- Where is the current form?
- Licensed publisher source. Use the publisher link above or request access help from Hedge.
- Which edition should I use?
- Edition and state filing vary by insurer and jurisdiction.
- Does Hedge host the file?
- No. Hedge explains the form and links to the official publisher source.
Form-specific context
Distinguish this form from nearby requirements.
CG 20 10 is commonly discussed while the named insured's work is still in progress. The schedule, contract, project, and exact edition matter because the endorsement is not a generic certificate instruction. A certificate can report that an endorsement exists, but the issued endorsement and policy control the actual insurance contract.
Common points to separate
- Ongoing operations is not the same time period as completed operations
- A certificate of insurance does not replace the issued endorsement
- Scheduled wording is not automatically blanket additional insured wording
Edition and date control
CG 20 10 is not a complete version.
The form number identifies a form family. The edition date, state filing, insurer modifications, schedule, underlying policy, and attached endorsements determine the document being reviewed. Do not describe two editions as equivalent without comparing the authorized forms.
- Record the full endorsement identifier and edition date shown in the contract requirement and on the issued form; CG 20 10 by itself is incomplete version information
- Do not assume an older edition, a newer edition, a carrier manuscript form, or equivalent wording provides the same scope
- Confirm the insurer and state filing permit the requested edition or approved equivalent for the policy and jurisdiction
- Read the endorsement with the declarations, underlying CGL coverage form, schedule, and every limitation or modifying endorsement
No policy interpretation
This guide organizes the review. It does not determine whether an endorsement grants coverage, satisfies a contract, or responds to a claim.
Broker decision path
Move from contract request to issued evidence.
- Is the contract asking for additional insured status during work, after completion, or both?
- Does the requirement identify CG 20 10, an edition date, a scheduled party, or acceptable equivalent wording?
- Is the person or organization named exactly on the issued endorsement and tied to the correct project, location, or operation?
- If completed operations are required, is a separate completed-operations endorsement such as CG 20 37 actually issued?
- Are primary and noncontributory status, waiver of subrogation, limits, notice, and duration separate requirements that need separate evidence?
- Does the issued policy contain exclusions or restrictions that change the promised additional insured result?
Related-form map
Separate the work stage from the evidence.
CG 20 37
A separate scheduled additional insured endorsement associated with completed operations. It should not be inferred from the presence of CG 20 10.
Certificate or verification form
Evidence or a summary of policy information. It does not replace, amend, or expand the issued endorsement and policy.
Contract requirement
The commercial promise to procure specified insurance. Whether the issued policy satisfies that promise requires contract and policy review.
Information organized
Facts to prepare.
- Scheduled additional insured name
- Project or location when required
- Named insured operations
- Written contract requirements
- Policy limits and related endorsements
Quality control
Review before using the form.
- Compare the requested wording with the actual issued endorsement
- Confirm that names, project, and location information are exact
- Review the edition because wording and scope differ across editions
Edition, rights, and market boundary
A form guide is educational and does not interpret coverage, establish that a form applies to a specific policy, prove market access, create a risk submission, or authorize release of material to a market. Confirm the current edition, jurisdiction, policy, carrier, and form requirements with the authorized publisher and intended insurer. Use the insurer-issued endorsement or authorized Verisk access. Hedge does not publish the ISO file.
Related ACORD forms
Application sections commonly considered with ISO CG 20 10.
These relationships help organize a coherent packet. They do not mean every form is required for every account.
ACORD 125 / Core application
Commercial Insurance Application Applicant Information Section
The applicant-information foundation for a commercial insurance submission. It organizes the named insured, business operations, locations, prior coverage, requested lines, and other account-level facts that line-specific sections build on.
Read the ACORD 125 guide →ACORD 126 / General liability
Commercial General Liability Section
The commercial general liability section used to organize premises, classifications, exposures, limits, products and completed operations, and other liability-specific information for an account.
Read the ACORD 126 guide →Related third-party guides
Read the forms together.
ISO CG 00 01 / General liability
Commercial General Liability Coverage Form
The core ISO commercial general liability coverage form commonly used to structure occurrence-based premises, operations, products-completed operations, personal and advertising injury, and medical payments coverage, subject to its terms, exclusions, conditions, declarations, and endorsements.
Read the form guide →ISO CG 20 37 / General liability
Additional Insured Owners, Lessees or Contractors Completed Operations
An ISO additional insured endorsement commonly used to address scheduled owners, lessees, or contractors for liability connected to the named insured's completed operations, subject to the exact edition, schedule, policy, and attached limitations.
Read the form guide →Related Hedge forms
Hedge-owned supplements that may add class detail.
These fillable Hedge resources can support preparation but do not replace a required publisher or market-specific form.
Construction
Hedge Contractors Supplemental
A fillable Hedge supplemental for contractors and construction operations.
View form and fillable PDF →Common questions
Use ISO CG 20 10 correctly.
Where can I get the current ISO CG 20 10 form?
Use the official publisher source linked on this page or ask Hedge for help identifying an authorized access path. Hedge does not host or redistribute the third-party file.
Does this guide prove the form applies to my account or policy?
No. The intended insurer, policy, jurisdiction, contract, and account facts determine which form and edition apply.
Can I send a completed form through this page?
No. The form-request lane accepts no risk files and does not create or release a submission.
Primary sources
Verify the edition, form, and evidence.
Official publisher source
Verisk ISO Forms, Rules, and Loss Costs
Confirm the current form, edition, jurisdiction, access terms, and related requirements with the publisher.
Open official source →Primary source
Verisk ISO Forms Library
Licensed access, form metadata, comparison, filing, and related circular workflow
Open source →Primary source
New York DFS approved ACORD 855 NY addendum
Official example distinguishing additional insured endorsement identifiers while stating that the actual policy controls coverage
Open source →Next step
Assemble the account-specific packet.
Use the class submission guide to identify the underwriting facts and Hedge forms that may apply, then have Hedge confirm the intended market and route.