Form reference/General Liability (CG)
CG 20 38
Additional Insured — Owners, Lessees or Contractors (automatic, incl. completed ops)
What this form does
CG 20 38 is a General Liability (CG) form: Additional Insured — Owners, Lessees or Contractors (automatic, incl. completed ops). This is a plain-English summary of the form's purpose, not its filed text — the copyrighted ISO/AAIS/NCCI wording lives in the policy document itself, and remains your source for the exact terms.
Why it matters at renewal
Additional-insured status is the single most-demanded protection in commercial contracts, and it lives in an endorsement rather than on the declarations. A renewal that quietly drops or narrows this form can end the protection a contract was written to secure — which is why its presence and edition date are worth confirming every term.
How BindCheck handles it
BindCheck reads the form schedule on both the prior policy and the renewal and compares them by number and edition date. If CG 20 38 was present last term and is missing this term — or its edition changed — it surfaces as a finding in your checklist, flagged high-priority because this form is coverage-critical. Standard forms like this one are diffed deterministically; anything manuscript or non-standard is flagged for your human review rather than guessed.
See whether CG 20 38 carried forward on your renewal
Upload the prior policy and the renewal and BindCheck returns every form, limit and endorsement that changed — in about a minute. Your first check is free.