General Liability · Additional insured
CG 20 32: Additional Insured, Engineers, Architects or Surveyors Not Engaged by the Named Insured
CG 20 32 adds architects, engineers or surveyors that the named insured did not hire, typically the owner's architect and its consultants, as additional insureds on a contractor's CGL. Coverage is limited to injury caused, in whole or in part, by the contractor's acts or omissions during its ongoing operations, and it excludes the design professionals' own professional services. It exists because owner-contractor agreements commonly require the contractor to protect the design team, and the owner-contractor forms such as CG 20 10 are not written for a party the contractor performs no operations for.
Key facts
CG 20 32
AI: owner's design team
- Form number
- CG 20 32
- Line of business
- General Liability
- Protection
- Additional insured
- Current edition
- 12 19
- Editions tracked
- 4
- Stance
- Required on some projects or accepted as an equivalent
Pikorua Security reads this form's number, edition stamp and schedule from the endorsement page itself, not the certificate.
Edition history
The edition stamp in the endorsement footer identifies the exact wording. Pikorua Security reads it on every page and compares it with the editions your contract accepts.
| Edition | What changed |
|---|---|
| 07 98 | Earlier edition using the broader "arising out of" causation common to ISO additional insured forms of that era. |
| 07 04 | Moved with ISO's additional insured forms to "caused, in whole or in part, by" the named insured's acts or omissions in the performance of its ongoing operations. |
| 04 13 | States that the scheduled design professionals, while not engaged by the named insured, are contractually required to be added. Adds the extent-permitted-by-law and not-broader-than-contract limiters, a professional services exclusion in Section B, and a limits cap tied to limits shown in the Declarations. |
| 12 19Latest | Limits cap refers to the amount available under the applicable limits of insurance rather than limits shown in the Declarations. Grant and exclusion carry over. |
Legal purpose and coverage scope
Section A of CG 20 32 amends Who Is An Insured to include the architects, engineers or surveyors shown in the schedule, for bodily injury, property damage and personal and advertising injury caused, in whole or in part, by the named insured's acts or omissions, or those acting on its behalf, in the performance of its ongoing operations. The form recites that these design professionals, while not engaged by the named insured, are contractually required to be added. The 04 13 edition applies the standard limiters: only to the extent permitted by law, and no broader than the contract requires.
Section B adds a professional services exclusion for these additional insureds: no coverage for injury arising out of the rendering of or failure to render professional services, including preparing or approving maps, drawings, opinions, reports, surveys, change orders, designs or specifications, and supervisory, inspection or engineering services, even when the claim is framed as negligent supervision or hiring. Section C caps limits at the lesser of the contract requirement or the available limits.
The companion form for design professionals the named insured did engage, such as a design-build contractor's own engineer, is CG 20 07, Additional Insured, Engineers, Architects or Surveyors.
Where the requirement comes from
AIA A201 General Conditions (2007 and 2017 editions) ask the contractor to cause its commercial liability coverage to include the owner, the architect and the architect's consultants as additional insureds for claims caused in whole or in part by the contractor's negligent acts or omissions during the contractor's operations. Owner-drafted agreements carry similar requirements. A GC that accepts that clause needs its own policy to reach the architect, and needs its subcontractors' policies to reach the architect too if the requirement flows down.
CG 20 10 can schedule the architect by name, but its grant is tied to the named insured's ongoing operations performed for the additional insured, and the GC is not performing operations for the architect. CG 20 32 is written for that relationship.
How CG 20 32 behaves in a tender or claim
Construction injury suits commonly name the architect on the theory that it should have caught an unsafe condition during site visits. When the architect tenders under the GC's CG 20 32, the carrier will accept defense of the allegations tied to the contractor's operations and reserve rights on, or deny, the allegations that the architect negligently performed construction administration, because those are professional services excluded by Section B.
The architect's own professional liability carrier covers that part. The practical value of CG 20 32 is that the architect's defense on the construction-operations theory comes from the contractor's CGL, which is what the owner-contractor agreement promised, and the architect's professional carrier has no basis to pursue the contractor for breach of the insurance clause.
Edition history
Earlier editions used the broader "arising out of" causation common to ISO additional insured forms of the 1990s. The 07 04 cycle moved ISO's additional insured forms to "caused, in whole or in part, by," and the 04 13 edition added the extent-permitted-by-law, not-broader-than-contract and limits provisions. The 12 19 edition updates the limits cap to refer to the limits available rather than the limits shown in the Declarations.
What to require, and how Pikorua Security verifies it
Where the prime contract requires the design team as additional insureds, require CG 20 32 (or a carrier form at least as broad) scheduling the architect and each named consultant by legal name, from the GC and from any subcontractor whose subcontract flows the requirement down. Do not expect it to cover professional services; that is the design firm's own professional liability.
Pikorua Security stores the design team on the project record from the prime contract. When a vendor's file includes CG 20 32, the validator matches each scheduled name against that list and flags omissions, such as a structural engineering consultant added after award. When the exhibit requires the architect and the only additional insured forms are CG 20 10 or CG 20 38, the file is flagged for review with the reason: those forms may not reach a party the named insured performs no operations for.
- Require: CG 20 32 scheduling the architect and named consultants by legal name when the prime contract requires them.
- Require: the same primary and non-contributory and waiver terms that apply to the other additional insureds.
- Do not require: coverage for the design professionals' own professional services; it is excluded by design.
Defect traps carriers and brokers miss
Findings Pikorua Security raises on CG 20 32
6 checks- Flag 01
Architect's trade name scheduled instead of the legal entity that signed the owner-architect agreement.
- Flag 02
Architect's consultants (structural, MEP, civil) required by the prime contract but missing from the schedule.
- Flag 03
GC provides CG 20 32, but its subcontracts do not flow the requirement down, so subcontractor policies never reach the architect.
- Flag 04
CG 20 10 scheduling the architect accepted as equivalent, though its grant is tied to operations performed for the additional insured.
- Flag 05
Expectation that CG 20 32 covers construction administration errors; Section B excludes professional services.
- Flag 06
No completed operations protection for the design team, which CG 20 32 does not provide; confirm whether the prime contract requires it.
Contract exhibit wording
Paste this into the insurance exhibit of your subcontract or vendor agreement, then adjust parties, limits and durations to the project.
Insurance exhibit clause
CG 20 32: AI: owner's design team
Design Professionals. Where the Prime Contract requires the Architect or its consultants to be additional insureds, Subcontractor shall include the Architect and each consultant listed in Schedule 1 as additional insureds on its commercial general liability policy by ISO endorsement CG 20 32 (04 13 or later edition) or an endorsement providing coverage at least as broad, for bodily injury, property damage and personal and advertising injury caused in whole or in part by Subcontractor's acts or omissions, or the acts or omissions of those acting on its behalf, in the performance of Subcontractor's operations. This coverage shall be primary and non-contributory to any insurance available to the Architect and its consultants, and Subcontractor's insurers shall waive subrogation against them to the same extent as against Contractor and Owner.
Have counsel conform the clause to the governing law of your contract. Pikorua Security verifies insurance documents against the requirements you set; it does not provide legal advice and does not sell, bind or underwrite insurance.
When the claim arrives
Tender defensibility
Design team tenders turn on separating construction-operations allegations from professional-services allegations. A verified CG 20 32 that schedules the correct architect entity gives the architect a defense on the operations theory from the contractor's carrier, which is what the owner-contractor agreement required. Without it, the architect's professional carrier pays and then looks to the contractor for breach of the insurance clause. Pikorua Security's record links the scheduled names to the prime contract requirement, so the GC can show it delivered what it promised.
Frequently asked questions
What is the difference between CG 20 32 and CG 20 07?
Does CG 20 32 cover the architect's professional errors?
Does CG 20 32 cover completed operations?
Do subcontractors need CG 20 32?
14-day free production trial
Verify CG 20 32 on every packet, every renewal.
Pikorua Security reads the endorsement pages behind each certificate, checks the edition and schedule against your contract, and chases the broker until the fix arrives.