Additional Insured – Owners, Lessees or Contractors – Completed Operations (CG 20 37 04 13)

Provides additional insured coverage for designated parties for liability arising out of your completed operations, but not your ongoing operations.

Modifies the Commercial General Liability (CGL) policy to address common contract risk transfer requirements—such as additional insured status, primary and noncontributory wording, and waiver of subrogation.
Adds Additional Insured status for qualifying upstream parties (for example, an owner, general contractor, or client) so they can access defense and indemnity under your CGL policy for covered claims tied to your work.
Applies to **completed operations** only—meaning claims that arise after the work is finished (such as alleged defective work or resulting property damage discovered later), subject to policy terms.
Completed operations additional insured wording is often crucial for long-tail exposures, where allegations are made after the project is turned over or put to its intended use.
Coverage is generally limited to liability caused, in whole or in part, by your acts or omissions (or those acting on your behalf), and it remains subject to all CGL exclusions, conditions, and limits.
Commonly used in construction, maintenance, and service agreements where the upstream party wants clear allocation of defense and indemnity responsibility tied to your work.

The following coverages can be included if endorsed elsewhere
Ongoing operations Additional Insured coverage: This endorsement does not extend additional insured protection for liability tied to ongoing operations (work in progress).
Primary and noncontributory status: This endorsement does not state that your policy applies on a primary and noncontributory basis for the required parties.
Waiver of subrogation: This endorsement does not waive the insurer’s rights of recovery against required parties.

Extends risk transfer into the **post-completion** period—useful when allegations (like resulting property damage) arise after work is finished and the upstream party is pulled into a lawsuit.
Creates clearer alignment between insurance and contract obligations, which can reduce disputes during certificate review and at claim time.
Helps allocate defense costs to the policy intended to support the contract’s risk transfer structure—subject to policy terms and limits.

Ensure that policy number - when printed - matches the COI
Ensure that expiration date - when printed - is not yet expired
Ensure that no invalidating watermarks (e.g. Sample) are included
Ensure the boxes contain full blanket language or the additional insured entities and locations that match your contract.
Review any specific limitations or restrictive language.