Quick Answer
An Additional Insured Endorsement adds another party — usually the general contractor or property owner — to your General Liability policy as an "insured." If a claim arises from your work and names them, your GL responds for them too. CG 20 10 covers ongoing operations; CG 20 37 covers products-completed operations. California GCs almost always require both. Call (858) 925-9555.
Why GCs Demand It
When a sub causes a claim on a job site, the GC almost always gets named in the lawsuit. The GC wants your GL to defend and indemnify them rather than relying on their own policy. The additional insured endorsement is the contractual answer.
CG 20 10 vs CG 20 37 — The Important Difference
| Endorsement | Covers |
|---|---|
| CG 20 10 | Ongoing operations (during the project) |
| CG 20 37 | Products-completed operations (after the project finishes) |
Many California contracts require both — and many lower-cost GL policies cover only one. Always confirm both are on your policy before signing.
Other Common Endorsements
- Primary and Non-Contributory — your policy pays first, before the GC's own GL
- Waiver of Subrogation — your carrier won't sue the GC for reimbursement after paying a claim
Cost
Most carriers add additional insureds at pricing varies by classification, payroll, operations, claims history, limits, and underwriting per endorsement. Asena Capital includes them at no extra cost on most policies we write.
Need CG 20 10 + CG 20 37 added today? Call (858) 925-9555.
Related: General Liability Insurance · How to Read an Acord 25
Call (858) 925-9555 — additional insureds added timely.