Endorsement CG 20 10 Analyzed in Contractual Risk Transfer
The insurance industry's efforts to provide separately underwritten
additional insured coverage with respect to the named insured's work in
progress and completed operations have a complicated history. The 1993 revision
of standard endorsements, which tied the additional insured's coverage to
the named insured's "ongoing operations," rather than to
"your work, did not ideally clarify things, as a number of subsequent
court decisions—including a recent appellate ruling from California—illustrate.
Additional exclusionary language introduced in 2001 remains critically
important in limiting the scope of standard additional insured coverage,
particularly since coverage for completed operations is now available to
additional insureds by means of endorsement CG 20 37. The drafting and judicial
history of standard (and some nonstandard) additional insured endorsements is
reviewed and analyzed in detail in Contractual Risk
Transfer's annotation of CG 20
10.