# Additional insured (AI)

COI Journal, The COI Dictionary. Published by Forsured. Reference only, not legal or insurance advice.

Forms: CG 20 10, CG 20 37, CG 20 38

## Definition

A person or company added to someone else's liability policy, usually the owner and the general contractor on a trade contractor's policy. Status comes from an endorsement, not from the certificate.

## On the certificate

A "Y" in the ADDL INSD column and, often, a line in the description box. Neither one creates coverage by itself.

## What to check

That the endorsement is attached and names, or automatically includes, the parties your contract requires. CG 20 10 covers ongoing operations, CG 20 37 covers completed operations, and CG 20 38 can extend status to other parties up the contract chain.

## The common gap

The box is checked and no endorsement exists, or the endorsement covers ongoing work only and the project needs completed operations too.

## Related

- [Completed operations](https://coijournal.com/dictionary/completed-operations/index.md)
- [Primary and noncontributory](https://coijournal.com/dictionary/primary-and-noncontributory/index.md)

Source page: https://coijournal.com/dictionary/additional-insured/