What is the carrier equivalent to ISO CG 20 10 and CG 20 37?

Proprietary carrier endorsements equivalent to ISO CG 20 10 and CG 20 37 include Markel MEGL 0009, Travelers CG T1 00 & CG T1 01, Hartford HA 00 01, CNA G-140327-C, and Chubb CC 20 10. These forms provide both ongoing and completed operations coverage when required by written contract.

Why do general contractors reject ISO CG 22 94?

ISO endorsement CG 22 94 eliminates the 'subcontractor exception' from CGL Exclusion L (Damage to Your Work). If a subcontractor causes construction damage or defects, the policy provides zero coverage for the general contractor, leading GCs to universally reject policies with this endorsement.

How do proprietary carrier forms compare to ISO standard endorsements?

Carriers draft proprietary manuscript forms to modify ISO baseline obligations. Common modifications include restricting completed operations coverage, imposing strict contractual privity requirements (requiring a direct contract between the named insured and additional insured), or altering notice-of-cancellation timelines.

How does Insure Assist AI automatically cross-reference endorsement codes?

When commercial insurance documents are dropped into Becky's Inbox, Insure Assist AI parses the entire endorsement schedule against our proprietary Endorsement Rosetta Stone database in under 45 seconds, verifying statutory ISO equivalence, detecting completed operations traps, and verifying ACORD 25 compliance.

The Commercial Endorsement Rosetta Stone

Carrier Form Cross-Reference & Decryption Tool

Instantly decode proprietary carrier endorsement codes (Markel, Travelers, Philadelphia, Hartford, CNA, Chubb, Liberty Mutual, Zurich), verify ISO baseline equivalence, and cross-reference competitor forms back and forth in under 2 seconds. Looking for comprehensive form analysis? Read our in-depth Carrier Endorsement Cross-Reference Guide.

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lightbulbQuick Takeaway: Carrier Equivalence Rule

The Commercial Endorsement Rosetta Stone decodes carrier manuscript endorsements back to statutory ISO baselines:ISO CG 20 10 + CG 20 37 = Markel MEGL 0009 | Travelers CG T1 00 | Hartford HA 00 01 | CNA G-140327-C | Chubb CC 20 10

check_circleCompleted Operations Trap: Many carrier forms look like CG 20 10 but exclude completed operations unless an additional form is bound.

check_circleSubcontractor Exclusions: Forms like CG 22 94 remove the subcontractor exception to Exclusion L, leading to universal GC rejection.

verifiedWhat This Means in Practice: Endorsement Decryption Intelligence

Commercial casualty underwriting requires cross-referencing hundreds of proprietary insurer forms against ISO benchmarks. Markel form MEGL 0009 05 18 provides both ongoing and completed operations additional insured coverage equivalent to ISO CG 20 10 and CG 20 37 combined. Travelers form CG T1 00 provides blanket additional insured status for ongoing operations but requires CG T1 01 for completed operations. Carrier forms that silently omit completed operations create critical contract breach liability on commercial construction projects.

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Coverage Function

Found 44 matching commercial formsShowing active selection: CG 20 10 (ISO Standard (Industry Benchmark))

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CG 20 10GC Risk: UniversalISO Standard (Industry Benchmark)

Additional Insured — Owners, Lessees or Contractors — Scheduled Person or Organization

Historical Editions: 11 85, 10 93, 10 01, 07 04, 04 13, 12 19 • Line of Business: General Liability

ISO Baseline Parity

ISO CG 20 10 (Gold Standard Ongoing Baseline)

Legal & Underwriting Function

Extends third-party liability defense and indemnity to a designated project owner, general contractor, or upstream entity for claims arising out of the named insured subcontractor's ongoing operations.

Cross-Carrier Equivalents & Proprietary Counterparts

Multi-directional cross-reference: click any form code to immediately inspect that carrier's full decoder card.

14 Carrier Counterparts Mapped

ISO Standard (Industry Benchmark)

Additional Insured — Owners, Lessees or Contractors — Completed Operations

Standard ISO completed operations companion. Only activates after final project handoff or substantial completion.

Ongoing: NoCompleted: YesP&NC: Separate Form Required

ISO Standard (Industry Benchmark)

Additional Insured — Owners, Lessees or Contractors — Automatic Status For Other Parties When Required in Written Construction Agreement

Resolves direct privity trap: protects upstream owners, lenders, and architects even without direct subcontracts.

Ongoing: YesCompleted: ExcludedP&NC: Separate Form Required

ISO Standard (Industry Benchmark)

Additional Insured — Owners, Lessees or Contractors — Automatic Status When Required in Construction Agreement With You

Strict privity: only protects direct contract signatory. Replaced by CG 20 38 for upstream coverage.

Ongoing: YesCompleted: ExcludedP&NC: Separate Form Required

Chubb

Chubb Commercial General Liability Automatic Additional Insured Endorsement

Chubb premier wording: covers ongoing, completed operations, and upstream indirect privity with built-in P&NC.

Ongoing: YesCompleted: YesP&NC: Built-In

Cincinnati Insurance

Contractors Commercial General Liability Broadened Endorsement

Cincinnati Insurance signature contractor package: ongoing, completed operations, and built-in primary/noncontributory.

Ongoing: YesCompleted: YesP&NC: Built-In

CNA Insurance

Blanket Additional Insured Endorsement — Ongoing & Products-Completed Operations

CNA comprehensive blanket endorsement: covers ongoing and products-completed operations with built-in P&NC terms.

Ongoing: YesCompleted: YesP&NC: Built-In

Liberty Mutual

Contractors Blanket Additional Insured — Ongoing and Completed Operations

Liberty Mutual contractors blanket endorsement: provides ongoing + completed operations with built-in P&NC.

Ongoing: YesCompleted: YesP&NC: Built-In

Markel American Insurance Company

Commercial General Liability Blanket Additional Insured Endorsement

Markel flagship endorsement: bundles ongoing operations and completed operations into a single form.

Ongoing: YesCompleted: YesP&NC: Requires Contract

Philadelphia Indemnity (PHLY)

Additional Insured — Scheduled Person or Organization

PHLY designated entity schedule for clients requiring explicit named scheduling.

Ongoing: YesCompleted: ExcludedP&NC: Separate Form Required

Philadelphia Indemnity (PHLY)

Philadelphia Premier General Liability Extension Endorsement

PHLY commercial extension: provides automatic blanket ongoing additional insured with built-in P&NC and waiver.

Ongoing: YesCompleted: ExcludedP&NC: Built-In

The Hartford

Hartford Choice Commercial General Liability Extension Endorsement

The Hartford 3-in-1 powerhouse: bundles ongoing, completed ops, and primary/noncontributory status into a single form.

Ongoing: YesCompleted: YesP&NC: Built-In

Travelers Insurance

Commercial General Liability Extension Endorsement — Blanket Ongoing Operations

Travelers ongoing operations extension. Does NOT include completed operations (must be paired with CG T1 01).

Ongoing: YesCompleted: ExcludedP&NC: Requires Contract

Travelers Insurance

Additional Insured — Completed Operations (Written Construction Agreement)

Travelers completed operations companion to CG T1 00.

Ongoing: NoCompleted: YesP&NC: Requires Contract

Zurich North America

Additional Insured — Automatic Status When Required in Construction Agreement

Zurich broad construction endorsement: automatic status for upstream contractors with completed ops coverage.

Ongoing: YesCompleted: YesP&NC: Requires Contract

Contract Compliance & Coverage Scorecard

Ongoing Operations

check_circleCovered

Completed Operations

cancelExcluded

Primary & Noncontributory

Separate Form Required

Contract Trigger

Scheduled on form (Pre-2019 editions) or Requires Written Contract (Post-2019 editions)

General Contractor Acceptance Verdict & Gotchas

Widely accepted on every construction project, but general contractors universally mandate pairing it with CG 20 37 to cover completed operations.

Excludes completed operations liability in all editions published after 1985 (10 93, 10 01, 07 04, 04 13, 12 19).
Edition 11 85 is the only historical edition covering completed operations, but carriers rarely issue it today.
Editions 04 13 and 12 19 restrict coverage strictly to the extent permitted by state anti-indemnity statutes and limit payout to the contractually agreed amount.

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Becky's Underwriting Insight

Watch out for GC construction agreements demanding "CG 20 10 11 85"! Because modern carriers will not issue the 11 85 edition, you must endorse the policy with both CG 20 10 (ongoing) and CG 20 37 (completed ops) to achieve 100% contract compliance.

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Carrier Endorsement Cross-Reference Guide

Read the plain-English underwriting breakdown, ISO form clauses, and real-world claim examples.

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Frequently Asked Questions

Carrier Endorsement Decoder FAQ

ISO equivalence baselines, proprietary carrier forms, and automated OCR cross-referencing.

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