Ongoing vs completed operations: why you need both

In plain terms

• Ongoing operations: a ladder falls on a visitor during the job.
• Completed operations: six months after the roof is done, a leak ruins the ceiling below.

Both are liability claims. They show up at different times, and may need different endorsements.

The form numbers you’ll hear

In the industry, two standard forms are common. CG 20 10 is the usual additional insured form for ongoing operations. CG 20 37 is the usual one for completed operations. Subs’ policies may use these or other forms with similar wording. Always read the form.

What to ask for

1. Which endorsements are on the policy? Send me the form numbers.
2. Do they cover work in progress, finished work, or both?
3. Does the completed operations cover continue after the policy ends?

Why trades matter

Roofers, plumbers, framers and concrete subs are the trades where problems show up later. For them, completed operations cover is a big deal. See our requirements by trade.

Not legal or insurance advice. This is general information. Your contract, your state and your policy decide what applies to you. Ask your broker or attorney.

Why the form matters

Ongoing operations is coverage while the sub is working. Completed operations is coverage after the sub leaves and the work is done. Many claims, like leaks and defects, show up after. If your additional insured endorsement only covers ongoing work, you may have no coverage when the problem appears. Ask for completed operations wording as well. See the form numbers to look for.

How long should it last?

Put the length in your contract. Many contracts ask for completed operations coverage for several years after the job. Your broker and attorney can tell you what fits your state and your project.