{"id":8050,"date":"2024-09-10T06:30:00","date_gmt":"2024-09-10T13:30:00","guid":{"rendered":"https:\/\/www.businessinsuranceusa.com\/news\/?p=8050"},"modified":"2026-05-26T15:21:38","modified_gmt":"2026-05-26T22:21:38","slug":"gaps-in-liability-insurance-key-endorsements","status":"publish","type":"post","link":"https:\/\/www.businessinsuranceusa.com\/blog\/commercial-general-liability\/gaps-in-liability-insurance-key-endorsements\/","title":{"rendered":"Liability Policies Are Not All Built The Same"},"content":{"rendered":"\n

<\/path><\/svg><\/span><\/span>Estimated reading time: <\/span>5<\/span> minutes<\/span><\/p>\n\n\n\n

Not all commercial general liability policies offer the same level of protection. Many are issued with endorsements that narrow coverage for certain operations, job types, or contractual requirements. Identifying gaps early and addressing them with the right endorsements<\/a> can materially reduce uninsured loss exposure, especially for contractors working under written contracts.<\/p>\n\n\n\n

Products and completed operations coverage vs ISO CG 20 37<\/h2>\n\n\n\n

Contractors often assume liability ends when the job is finished. In reality, claims can arise months or years later, after the work is put to its intended use. That is where products-completed operations exposure <\/a>matters.<\/p>\n\n\n\n

Two separate ideas are commonly confused:<\/p>\n\n\n\n

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  1. Your completed operations liability<\/strong>
    On many occurrence-based CGL policies, completed operations exposure is part of Coverage A, subject to the products-completed operations aggregate limit and policy exclusions. It generally responds to third-party bodily injury or property damage that occurs after completion, not as a blanket warranty for repairing defective work.<\/li>\n\n\n\n
  2. Additional insured completed operations (ISO CG 20 37)<\/strong>
    If an owner or general contractor requires completed operations additional insured status, an endorsement such as ISO     CG 20 37<\/a> is commonly used. It amends Who Is An Insured to include the scheduled additional insured, but only for liability caused in whole or in part by your work and included in the products-completed operations hazard.<\/li>\n<\/ol>\n\n\n\n

    Practical tip:<\/strong> Many contracts require both ongoing operations additional insured coverage and completed operations additional insured coverage. ISO CG 20 10<\/a> is a common ongoing operations form that typically ends once work is complete.<\/p>\n\n\n\n

    Waiver of subrogation<\/h2>\n\n\n\n

    A waiver of subrogation is often required in construction contracts to reduce post-loss finger-pointing and litigation between project parties.<\/p>\n\n\n\n

    In CGL, this is frequently addressed through a form like ISO CG 24 04<\/a> (Waiver of Transfer of Rights of Recovery Against Others to Us) or an equivalent endorsement. The endorsement waives the insurer\u2019s right of recovery against the scheduled person or organization for payments arising out of your ongoing operations or your work under contract, subject to the form\u2019s wording.<\/p>\n\n\n\n

    What to watch for:<\/p>\n\n\n\n