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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
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  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "ISO form CG 20 37, edition 12 19, Additional Insured - Owners, Lessees Or Contractors - Completed Operations",
  "publisher": "Insurance Services Office, Inc. (form text), posted by the New York State Office of General Services",
  "url": "https://ogs.ny.gov/system/files/documents/2021/09/cg-20-37-12-19-.pdf",
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  "effectiveDate": "n/a",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "ISO revises commercial general liability endorsement editions periodically; a later edition may supersede the 12 19 edition.",
  "status": "active",
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    {
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      "text": "The form carries the designation CG 20 37 12 19, is titled 'Additional Insured - Owners, Lessees Or Contractors - Completed Operations', modifies insurance provided under both the Commercial General Liability Coverage Part and the Products/Completed Operations Liability Coverage Part, and carries the footer 'Insurance Services Office, Inc., 2018'."
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      "text": "Paragraph A states that Section II - Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for 'bodily injury' or 'property damage' caused, in whole or in part, by 'your work' at the location designated and described in the Schedule of the endorsement performed for that additional insured and included in the 'products-completed operations hazard'."
    },
    {
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      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-20-37-12-19#c3",
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      "text": "Paragraph A adds two provisos: the insurance afforded to such additional insured 'only applies to the extent permitted by law'; and if coverage provided to the additional insured is required by a contract or agreement, the insurance afforded 'will not be broader than that which you are required by the contract or agreement to provide for such additional insured.'"
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      "text": "Paragraph B provides that where coverage to the additional insured is required by a contract or agreement, the most the insurer will pay on behalf of the additional insured is the amount of insurance required by the contract or agreement, or available under the applicable limits of insurance, whichever is less, and that the endorsement shall not increase the applicable limits of insurance."
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      "text": "The Schedule has two columns: 'Name Of Additional Insured Person(s) Or Organization(s)' and 'Location And Description Of Completed Operations'."
    }
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  "reliedOnBy": [
    {
      "kind": "Question",
      "title": "When can a contract require additional insured status?",
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    {
      "kind": "Example",
      "title": "Reading CG 20 10, CG 20 37 and CG 20 01 to see why one contract sentence usually asks for three separate endorsements",
      "url": "https://bestinsuranceresearch.com/examples/additional-insured-takes-three-endorsements"
    },
    {
      "kind": "Module",
      "title": "Contract Insurance Requirements (1 check)",
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  "citation": {
    "text": "Insurance Services Office, Inc. (form text), posted by the New York State Office of General Services. \"ISO form CG 20 37, edition 12 19, Additional Insured - Owners, Lessees Or Contractors - Completed Operations.\" unknown. https://ogs.ny.gov/system/files/documents/2021/09/cg-20-37-12-19-.pdf (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record iso-cg-20-37-12-19, content version 2026.08.31. https://bestinsuranceresearch.com/sources/iso-cg-20-37-12-19",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
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