Mandatory endorsement for the CGL claims-made version. b. Expands the definition of "insured site" in CG 00 39 and CG 00 40 to include any site on which the contractor performs operations for others. See CG 33 96 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. If additional insured status is required by contract or agreement, coverage and limits of liability apply only to the extent required in the contract or agreement. 2. CG 24 50 Limited Coverage for Designated Unmanned Aircraft. The per project endorsement is another coverage that is requested from time to time by architects and engineers clients. The Designated Location General Aggregate Limit is the most we will pay for the sum of all damages under Coverage A, except damages because of "bodily injury" or It does this by adding a policy endorsement (an amendment to the existing policy). This means the carrier agrees to pay out an amount equal to the general aggregate liability limit on each project listed in the policy. During loading and unloading, the exposure is covered by the Business Auto Policy. CG 24 26 - Amendment of Insured Contract Definition. Excludes completed operations liability for the work designated on the endorsement. This endorsement was withdrawn from use in 2012 but reinstated in 2013. It provides coverage similar to the CGL claims-made coverage part. Tips on how to complete the Cg2026 endorsement fillable form on the web: To begin the form, utilize the Fill camp; Sign Online button or tick the preview image of the blank. 123 Main St - Contents: $500,000. This is most that the insurance policy has available for all claims. Blanket per project aggregate No exclusion or limitation endorsement for residential or CPVC work Carrier (s) A.M. Best Rated A+ Submission requirements Completed industry standard applications SprinklerPro supplemental application Current and four years prior loss Information Current financial statement Bars coverage for products liability claims between named insureds on the policy. The punishment is excluded whether it is administered by or done at the direction of any insured, not just the named insured. Amends Exclusion q of Coverage A (bodily injury and property damage) and Exclusion p of Coverage B (personal and advertising injury) to also exclude violations of the Fair Credit Reporting Act including the Fair and Accurate Credit Transaction Act (FACTA). Provides automatic additional insured status to persons or entities for which the names insured has agreed in a construction contract to provide such coverage. Excludes liability arising from acts, errors or omissions in connection with the listed services. CG 25 04 Designated Location(s) General Aggregate Limit. Required by Texas law. Pack of 1 Unit. Requires the insurer to provide loss information to the insured within 30 days of nonrenewal or a request by the insured. A "Per Policy" aggregate means the most your insurer will pay for the total of all claims during your policy term (usually one year) is the first number - $2M. The claims-made forms are not reviewed in this Policy Guide. Beware CGL policy extensions - Policyholders sometimes seek to extend their policies for longer than the standard 12 months but less than an additional full term. (Applicable only to the Owners and Contractors Protective Liability Coverage Part) Adds these professionals as additional insureds (excluding professional liability) when they are engaged by the named insured. Creates an exception to the pollution exclusion to cover the escape of a pollutant specifically listed in the endorsement schedule. A claim paid for damages arising out of one project would not affect the aggregate at other projects of the insured. See CG 22 36 to exclude products and professional liability. Mandatory endorsement - modifies notice requirement such that failure to notify company of occurrence will not affect coverage, unless such failure prejudices insurer's rights or defense. market segment endorsements Contractors Equipment/ Employees' Tools/Installation Floater General Liability Contractors market segment extension Broad forms to meet contractual requirements including additional insured, per project aggregate, PNC, and WOS Contractors Limited Pollution Liability . While Coverage A has always excluded bodily injury to employees, this optional endorsement clarifies that no coverage is provided for bodily injury arising out of employment practices, whether the claimant is an employee or not. Removed all of Coverage B - Personal and Advertising Injury Liability. Aggregate Limit applies to each designated "location", and that limit is equal to the amount of the Other Than Prod-ucts/Completed Operations Aggregate Limit shown in the Declarations. This endorsement is used when the company wants to avoid the entire products and completed operations exposure, or when all premises and operations classifications on the policy include this exposure and a separate limit for this coverage is not needed. The endorsement excludes the expense of bringing an out of control well under control. Excludes specific operations in progress, all ongoing operations at a specified location, or all ongoing operations performed by the named insured, as designated in the endorsement. Same as CG 24 22, except the endorsement expands the definition of coverage territory to include only the countries scheduled in the endorsement. Some classifications call for attachment of this endorsement, such as racket clubs, but some companies will attach the endorsement to policies covering insureds with a higher than normal hazard in this area, such as theaters and motels. Provides for annual premium adjustment when the policy is issued for a term longer than one year. Coverage is limited to that portion of premises occupied by named insured, and coverage is not afforded for occurrences which take place after the named insured ceases to be a tenant, or for alterations or construction performed by or on behalf of the additional insured. Excludes coverage for personal and advertising injury exposures arising out of a lawyers professional services, as an alternative to excluding all personal and advertising injury coverage for lawyers. Same as above, except applies only to permits relating to premises use, such as the erection of a sign. Applies the general aggregate limit separately to each project of the insured. We do not intend our use or display of other companies' trade names or trademarks to imply an endorsement or sponsorship of us by such companies, or any relationship with any of these companies. Amends the limits of liability after policy inception. $1,000,000 per occurrence; $2,000,000 general aggregate; $2,000,000 products aggregate; Property - no restriction on value. CG 25 04 Designated Location(s) General Aggregate Limit. Same as endorsement CG 21 09 except the exclusion applies only to Coverage B (Personal and Advertising Injury Liability). CG 28 02 Insured Site Definition (Contractors). This endorsement provides coverage to the additional insured on the same basis as the CG 20 10. CG 24 27 - Limited Contractual Liability - Railroads. Claims-made version of the CGL coverage form. Provides pollution liability coverage on a claims-made basis, including the cost of site clean up. . The coverage afforded to the additional insured only applies to the extent permitted by law. Amends policy provisions to comply with Texas Condominium Law. Not approved for general use in Texas, but could be used on a "large risk. Removes the contractual liability exclusion from personal injury coverage, for designated contracts. For use with OCP coverage part, CG 00 09, this amends the bodily injury definition to include the personal injuries of false arrest, detention or imprisonment. This endorsement was withdrawn from use in 2012 but reinstated in 2013. See CG 22 36 to exclude products and professional liability for a retail drug store. ", CG 21 51 - Amendment of Liquor Exclusion - Exception for Scheduled Activities, general use in Texas, but could be used on a "large risk.". This is a Federal Highway Administration (FHWA . Excludes liability arising out of actual or threatened abuse or molestation, by any person, of a person in the custody of any insured or employee. Clarifies that a BYO establishment is to be considered selling, serving or furnishing alcoholic beverages. Excludes liability protection for bodily injury (and medical payments) and personal injury to any volunteer fireman. Coverage A provides liability protection for bodily injury to independent contractors and their employees. If additional insured status is required by contract or agreement, coverage and limits of liability apply only to the extent required in the contract or agreement. Provides separate coverage for the products and completed operations exposures can be provided using this claims-made form. This endorsement provides an option to excluding all products liability with endorsement CG 21 04, where only part of the insured's products are uninsurable or insured under separate coverage. 2. Various endorsements for the miscellaneous coverage forms. We know that general aggregates can be confusing . Texas uses a special endorsement for these risks. . CG 25 03 Designated Construction Projects(s) General Aggregate Limit. Provides coverage for incidental application of "over the counter" herbicides or pesticides on lawns under the insured's regular care. The CGL policy requires a per-project aggregate endorsement that should be attached to the COI upon submission to verify accurate coverage. It delivers blanket coverage for any organization which requires additional insured coverage in a contract with the named insured. Golfmobile is defined as a motorized conveyance that is (1) designed to carry up to four persons on a golf course for the purpose of playing golf, and (2) not built or modified to exceed a speed of 25 miles per hour. Excludes all liability arising out of and occurring during the course of the movement of any building or structure, either by auto or "mobile equipment". If additional insured status is required by contract or agreement, coverage and limits of liability apply only to the extent required in the contract or agreement. Additional Insured Endorsements Specified & Blanket AI for Ongoing Ops Specified & Blanket AI for Completed Ops Primary & Non-Contributory (Other Insurance Clause) Specified & Blanket Waiver of Subrogation Per Project Aggregate (Capped at $5MM) Third Party Cancellation Notification: Same as endorsement CG 24 50 except the exclusion applies only to Coverage A (Bodily Injury and Property Damage Liability). Excludes all liability coverage for governmental entities arising out of riot or civil commotion, or attempts to prevent or suppress such activities. Built in stiffeners help keep the blanket tight to the PVC surface. All other states: $1,000,000 per occurrence and $2,000,000 aggregate. This endorsement was withdrawn from use in 2012 but reinstated in 2013. Remove blanket and form bend by hand. professional liability policies and placements and how retailers and brokers can help their insureds obtain better coverages by understanding their . This is an absolute exclusion of all exposures arising out of the Year 2000 problem. Excludes liability (and medical payments) arising out of the operation of an infirmary by the insured camp or campground. Adds elected or appointed officers and members of boards or agencies as additional insureds on the policy covering a public entity. Not approved for general use in Texas. Coverage for an occurrence which results in 3rd party's BI and/or PD. This endorsement has no effect on bodily injury liability coverage. Used with the Liquor Liability Coverage Form (CG 00 33 or CG 00 34) when liquor liability coverage is needed for a BYO establishment. The project requirement is often set as "per project," but "per policy" isn't . See CG 22 70. Removes the medical payments coverage from the policy, but retains coverage for "first aid" expenses and transfers this coverage to the Supplementary Payments section of the policy. Applies the general aggregate limit separately to each project of the insured. Adds unmanned aircraft exclusion to the Owners and Contractors Protective Liability Coverage Part. There are many endorsements addressing specific, common professional activities, such as medical professional. CG 25 02 Amendment of Limits of Insurance. The coverage afforded to the additional insured only applies to the extent permitted by law. . CG 26 46 Texas Abuse or Molestation Exclusion. Applies only to the professional services described in the endorsement. Excludes bodily injury or personal injury arising out of employment practices of the insured, such as refusal to employ, termination, coercion, demotion, discipline, harassment, discrimination and other practices. Does not cover liability arising out of the townhouse owner's individual property. The Designated Construction Project General Aggregate Limit is the most we will pay for the The advanced tools of the editor will guide you through the editable PDF template. Limits liability coverage for the insured real estate operation to the office premises and real properties which the firm does not own, control or manage. Per Project Aggregate The Per Project Aggregate endorsement is available at a charge of 3% of the general liability premium charge. Provides pollution liability coverage on a claims-made basis. Blanket Pers Prop $ Blanket BLDG & PP $ $ $ Boiler and Machine: . Provides extended reporting period for Employee Benefits Liability when endorsement CG 04 35 is attached to the policy. Excludes the professional exposures of testing and consulting firms. If additional insured status is required by contract or agreement, coverage and limits of liability apply only to the extent required in the contract or agreement. work, on the project (other than service, maintenance or repairs) to be performed by or on behalf of the additional insured(s) at the location of the covered operations has been completed; or 2. (Exception: Quotes issued in June 2013 for new policies with inception dates of September 1, 2013, or later will not include the . Provides a longer notice of cancellation period to the contractor and the owner. Usually the aggregate is a multiple of the per event or occurrence limit. Excludes bodily injury or personal injury arising out of employment practices of the insured. If additional insured status is required by contract or agreement, coverage and limits of liability apply only to the extent required in the contract or agreement. Excludes all liability arising out of the products and completed operations hazards. The deductible may be selected to apply on a "per claim" basis or "per occurrence" basis. This endorsement provides completed operations coverage for the loading and unloading of vessels, without the need to purchase specific coverage. Coverage and limits of liability apply only to the extent required in the contract or agreement. Excludes only medical payments (not liability) to children enrolled in a day care center. There is no exception for liability assumed under an insured contract. Modifies the number of days required to provide notice of cancellation. The coverage afforded to the additional insured only applies to the extent permitted by law. Re dating your ex. Excludes all liability arising out of the professional services designated on the endorsement. as a construction manager. This endorsement was withdrawn from use in 2013. . See CG 24 27. Adds a designated person or organization (a vendor) as an additional insured to a manufacturer's or distributor's policy to protect them for liability arising out of sale or distribution of the named insured's products. Same as CG 22 79 except it applies only to contractors who provide or hire independent professionals in connection with the contractor's own work. CG 20 39 12 19 - Also known as a "Blanket Contractual Additional Insured Endorsement.". A.1. Adds the interest of the owner of land to the tenant's policy. A "Per Project" aggregate means the insurer will pay the same $2M for all claims that occur from any specific project. These endorsements are for use with the ISO claims-Made CGL. - Confirm on certificate that General Aggregate is Per Project. Not approved for general use in Texas, but could be used on a "large risk." Excludes bodily injury and property damage arising out of rolling stock (rail cars) while track is being constructed or repaired. 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