CG 20 10 versus CG 20 37

On the roof

A roofing contractor is on site at a property you manage. The crew is tearing off the old roof. That is ongoing operations. The contract that requires the owner and the manager to be additional insureds while the work is underway is looking for CG 20 10. A checked box on the certificate is not that form.

After the crew is gone

The punch list is signed. The contractor has left. A leak shows up the next season. That is a completed-operations problem, and the form teams look for is CG 20 37. CG 20 10 does not do that job. If the contract required both, the packet needed both while the job was still in front of you, not after the leak.

What the file should show

The property management workflow keeps the property, the trade, and each form on the vendor file. Roofing is not landscaping. A landscaper on the grounds every week may only owe ongoing-operations additional insured status. Copying the roofer's pair of forms onto every trade creates noise. Omitting CG 20 37 on the roofer because the certificate looked finished creates a gap.

The reviewer confirms each form, the entities, and any uncertain extraction. DueFiles does not replace the reviewer. The next request names the missing form, the property, and the legal names.