Additional Insured Endorsement and Coverage for Completed Operations

December 29, 2014

Does the Additional Insured – Designated Person or Organization endorsement, CG 20 26, provide products/completed operations coverage to the additional insured?

Illinois Subscriber

Insofar as insurers are concerned, coverage may not necessarily be limited to ongoing operations. Under some circumstances, coverage could apply even after operations are completed. The reason is that coverage is not limited to BI or PD arising out of ongoing operations, but instead to liability in the performance of the named insured's ongoing operations. There can be instances when negligence occurs during the performance of ongoing operations, but BI or PD does not occur until after operations are completed. Also, there is no wording in the endorsement stating that insurance does not apply to BI or PD occurring after all work to be performed has been completed, or at least that portion of the named insured's work that has been put to its intended use by someone other than another contractor or subcontractor engaged in performing operations on the same project.