CG 20 10 vs CG 20 37: the additional-insured difference that costs GCs
One covers ongoing operations, the other completed operations — and most contracts require both. Here's the difference, why it matters, and how to actually verify it (the certificate checkbox isn't proof).
Read the guide → BasicsHow to read an ACORD 25 (Certificate of Liability Insurance)
A section-by-section walkthrough of the standard certificate form — coverages, limits, the ADDL INSD / SUBR WVD checkboxes, the Description of Operations, and what to actually verify before a vendor steps on site.
Read the guide → EndorsementsPrimary & non-contributory and waiver of subrogation, explained
The two endorsements that travel with additional-insured status — what each one actually does, why general contractors require them, and how to verify them.
Read the guide → Workers' CompDo I need workers' comp if I have no employees?
Why your customer demands a workers' comp certificate even when you're solo — the audit mechanic, exemptions, ghost policies, and what happens when you sub work out yourself.
Read the guide →More guides coming soon.