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EndorsementsStandard / Universal

Additional Insured — Products / Completed Ops

What this clause says

Such additional insured status shall extend to the Products and Completed Operations hazard.

What this means in plain English

The sponsor needs to be added as an additional insured specifically for product-related claims, not just operations claims.

What it means for a CDMO program

Critical and often missed. Many CGL policies provide blanket AI for ongoing operations but exclude products/completed ops from that endorsement. For a contract manufacturer, products is the entire point. You likely need an ISO CG 20 37 endorsement or a manuscript equivalent. Verify with your broker explicitly.

Carrier notes

Some carriers charge a flat fee for CG 20 37; some include it in a manuscripted blanket endorsement.

How this evaluates

The Decoder applies these rules in order; the first match wins.

  • endorsements › ai products completed ops is set → Compliant: AI extends to products/completed ops.
  • endorsements › ai products completed ops is not set → Gap: AI for products/completed ops is the most common gap on contract manufacturer programs.

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Pre-loaded with this clause selected.

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Related clauses

Questions about endorsements

Additional Insured — Products / Completed Ops — common questions

What is ISO CG 20 37 and why does everyone reference it?

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It is the ISO endorsement that adds an entity as additional insured for products and completed operations. It is the cleanest way to satisfy the requirement; manuscripted equivalents work but have to be reviewed for equivalent scope.

Is blanket additional insured for products available?

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Yes, on most pharma-friendly CGL forms from the dedicated life-sciences markets. It auto-adds anyone you contract with for products status, eliminating per-sponsor endorsement work.

Why is ongoing-operations AI not enough?

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For a CDMO, the entire risk is products. Ongoing-operations AI covers the sponsor for claims while you are doing the work; products AI covers them for claims after the product is delivered. You need both, but products is the one that matters.