This endorsement converts the OCP coverage part, CG 00 09 , into a general Principal's Protective liability form, such as might be used for a newspaper publisher to provide coverage for independent contractors. This exposure should be insured on a Business Auto Policy. . 3. Broad form blanket contractual liability covering all indemnity IL 00 21 - Nuclear Energy Liability Exclusion Endorsement (Broad Form). Excludes all liability for the product designated on the endorsement. THIS ENDORSEMENT CHANGES THE POLICY. It requires periodic reporting of trust properties. Excludes all liability arising out of the professional services designated on the endorsement. This endorsement was withdrawn from use in 2013. Designated Project Aggregate endorsements are sometimes required for contracts. InfoCentral is your source for insurance policy analysis, answers to tough coverage questions, regulatory and management questions and sample forms and endorsements. You could file two claims worth half a million or 10 claims worth $100,000, but when the total payout hits $1 million, your insurer starts saying no. This is an absolute exclusion of all exposures arising out of the Year 2000 problem. Coverage A already excludes bodily injury to an employee, but this endorsement clarifies that no coverage is provided for bodily injury arising out of employment practices, whether the claimant is an employee or not, in the circumstances at the time. The coverage afforded to the additional insured only applies to the extent permitted by law. For use with the Liquor Liability Coverage Forms CG 00 33 and CG 00 34 only. Adds an architect, engineer or surveyor "engaged by you" as an additional insured, excluding their professional liability. The first coverage is when the project owner is held vicariously liable for acts or omissions of the general contractor. Kiehl's facial fuel transformer. Provides automatic additional insured status to persons or entities from whom the named insured leases equipment when the named insured has agreed in a written contract to provide such coverage. CG 32 08 Texas Changes - Binding Arbitration. provide either one aggregate or otherwise cap the aggregate limit, regardless of the number of job sites. Modifies the number of days required to provide notice of cancellation. Coverage for an occurrence which results in 3rd party's BI and/or PD. An elevator contractor is required to provide evidence of these limits when the contractor obtains a license from the Texas Department of Licensing and Regulation. Adds individual townhouse owners as additional insureds for liability as a member of the townhouse association. 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. A separate Designated Construction Project General Aggregate Limit applies to each des-ignated construction project, and that limit is equal to the amount of the Other Than Prod-ucts/Completed Operations Aggregate Limit shown in the Declarations. Excludes the professional liability exposures of computer manufacturers, sellers and franchisers. Frequently, the "Per Project" endorsement requires that each separate project be listed by name. Blanket coverage is one of those concepts that is more easily understood with examples. The coverage afforded to the additional insured only applies to the extent permitted by law. For example, if you perform work at one location, and are sued for bodily injury, your per project aggregate will restore your limit of insurance for your next project. 456 Market St - Building: $2,000,000. Allows for the arbitration of disputes between the company and the insured, without the arbitrator's decision being binding on any party. Amends cancellation provisions and adds nonrenewal provisions required by law: (1) cancellation of a new policy for any reason within the first 60 days; (2) cancellation of a new policy after 60 days or a renewal policy only for specific reasons; (3) 10 days' notice of cancellation; (4) nonrenewal with 60 days' notice. Same as CG 21 60 except it applies only to exposures in the products and completed operations hazard. Coverage for additional insured limited to liability arising out of ongoing operations of named insured. Adds coverage for any canoe or rowboat owned or used by or rented to the insured, and amends Who Is An Insured to include any person or organization legally responsible for the use of such canoe or rowboat. See CG 33 92 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. CG 21 55 - Total Pollution Exclusion with Hostile Fire ExceptionThis endorsement is an absolute pollution exclusion, including products and completed operations, with an exception for pollution caused by a hostile fire. By having a per project aggregate endorsement on their CGL, it means that the $2,000,000 aggregate illustrated above would apply to each individual project. . See CG 32 09 for Texas-approved form. A claim paid for damages arising out of one project would not affect the aggregate at other projects of the insured. 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. Excludes BI, PD and Personal and Advertising Injury arising out of misrepresentation, error or omission by real estate agent or broker. Same as endorsement CG 24 50 except the exclusion applies only to Coverage A (Bodily Injury and Property Damage Liability). Coverage is limited to the designated site or location of work. Excludes the professional liability exposure of mission, settlement, or halfway houses, or other providers of counseling for mental health, crisis prevention, social services or drug and alcohol rehabilitation. Excludes these hazards at all locations and operations, except those specified in the endorsement. Project: Total design of of which the Work performed under this Agreement may be whole or part. Bars coverage for products liability claims between named insureds on the policy. It provides coverage similar to the CGL occurrence coverage part. Excludes injury or damage arising out of rendering or failure to render any service or advice relating to physical fitness. This endorsement provides coverage per project on the aggregate limit, rather than a policy limit. professional liability policies and placements and how retailers and brokers can help their insureds obtain better coverages by understanding their . Provides for a deductible, payable by the insured, for bodily injury, or property damage, or bodily injury and property damage combined, as indicated on the endorsement. ", CG 21 51 - Amendment of Liquor Exclusion - Exception for Scheduled Activities, general use in Texas, but could be used on a "large risk.". It does not provide coverage for liability arising out of completed operations, and it is not intended to cover the additional insured's own supervision of work. CG 25 02 Amendment of Limits of Insurance. Allows for the arbitration of disputes between the company and the insured, without the arbitrator's decision being binding on any party. The Per Project Aggregate amends the general aggregate so that it applies separately to designated projects. 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. . It is usually provided by the contractor performing the operations. Clarifies that a BYO establishment is to be considered selling, serving or furnishing alcoholic beverages. $2,000,000 products/completed operations aggregate. Creates an exception to the pollution exclusion; covers escape of pollutants at an identified place and time that begins and ends within 48 hours when caused by certain named perils. Covers the insured's legal liability for damages caused by an act, error or omission in the administration of employee benefit programs, on a claims-made basis and subject to limits shown in the endorsement. as a construction manager. Adds the interest of the owner of equipment to a policy covering the named insured who leased the equipment. A: The Blanket Waiver of Subrogation endorsement (also referred to as Blanket Waiver endorsement or Endorsement 2572) is available for new and renewing policies with inception dates on or after September 1, 2013. The New Deal was a series of programs, pubIic work projects, financial reforms, and regulations enacted by President Franklin D. Roosevelt in the United States between 1933 and 1939. 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. CG 28 06 Limitation of Coverage To Insured Premises. This endorsement is not approved in Texas. Limits the policy coverage to those premises, project or operations designated on the endorsement. Plumbing contractor general liability $0 deductible $5m per project aggregate endorsement available Blanket AI available Blanket WOS available Blanket bells and whistles Blanket CG2037 completed operations Max 50 units in development . Obligates the insurer to provide notice to a person or organization named in the endorsement in the event of cancellation or material change that reduces or restricts the insurance. Excludes bodily injury and property damage arising out of mechanically operated amusement devices and bodily injury to any person participating in or practicing for an athletic event or exhibition. Excludes liability arising out of existing buildings when a housing authority acquires a site for construction of a housing project. See CG 33 90 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. Nymphomaniac asian asiaticas ninfomaniacas. (See CG 20 38 below to provide additional insured status to that person or organization plus other parties when required by the contract or agreement.) Modifies care, custody, control exclusion so that property damage is covered at premises where operations are performed, subject to limit on endorsement. Required on all policies. CG 33 92 Texas Additional Insured - Engineers, Architects or Surveyors Not Engaged by the Named Insured. - Contract ID: 5007806. Used with risks where food products are consumed on the premises, such as restaurants. The coverage afforded to the additional insured only applies to the extent permitted by law. See CG 24 27. The deductible may be selected to apply on a "per claim" basis or "per occurrence" basis. If the state increases the required limits of $1,000,000 for BI and $500,000 for PD during the policy period, the limits are amended as needed to conform to Texas law. CG 25 04 Designated Location(s) General Aggregate Limit. (See CG 21 00). Each is $250, so the insured asked about a blanket endorsement. Blanket endorsement: The insurance company sees the blanket waiver as a means to review the contract you've signed with the third party and make recommendations for better contractual risk transfer in the future. Re dating your ex. The fact that corporal punishment may be administered in a proper and legal manner has no bearing on the exclusion. Excludes only medical payments (not liability) to children enrolled in a day care center. Modifies the intentional injury exclusion (a) of Coverage A so that it does not apply to corporal punishment of a student by or at the direction of the insured. The endorsement excludes the expense of bringing an out of control well under control. Controlled even heating for uniform bending. (See CG 22 74). Provides pollution liability coverage on a claims-made basis. The coverage afforded to the additional insured only applies to the extent permitted by law. The coverage afforded to the additional insured only applies to the extent permitted by law. See CG 33 91 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. See CG 21 55 below. Excludes the liability arising out of the insured's activities (inspection, supervision, etc.) The Designated Construction Project General Aggregate Limit is the most we will pay for the See discussion in Common Policy Conditions in the Policy Coverages section.Mandatory endorsement when commercial property is written as a part of a commercial package policy. 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. Only bodily injury coverage is afforded by principal's protective insurance. . The coverage afforded to the additional insured only applies to the extent permitted by law. See CG 33 95 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. 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 . Same as CG 04 28, except not limited to cause by named perils. Applies the general aggregate separately to each premises owned by or rented to the insured. The general aggregate is the maximum amount of money a liability insurance policy will pay in a given policy term. The project agg must be added to a CGL by endorsement. Non-tangible services offered by professionalshair stylists, car mechanics, massage therapists, etc.are businesses in need of insurance. Typically, the aggregate limit is two or three times the occurrence limit. A separate Designated Construction Project General Aggregate Limit applies to each designated construction project, and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. Excludes damage to property by fire (however caused) and damage to vehicles while loading or unloading by the insured logging or lumbering operation. Claims-made version of the CGL coverage form. 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. See technical report Additional Insureds and Contractual Liability - 2004 Endorsements and Revisions in 2012 and 2013. $2,000,000 general aggregate. Adds a designated person or organization as an additional insured for liability arising out of the named insured's premises or operations. Adds members, trustees and clergymen as additional insureds for liability arising out of church activities. Eliminates the $50,000 of legal liability coverage for negligent damage to rented premises. This endorsement extends coverage under Pollution Liability coverage form, CG 00 39, to include expenses associated with voluntary cleanup of a pollution discharge, if done to prevent damage. Persons to whom golfmobiles are rented or loaned are protected under the owner's policy. 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. Minimum limits $5MM per occurrence/$10MM aggregate . POLICY: If the PER POLICY box is checked on the certificate of insurance, that means the policy aggregate limit is $2,000,000 for the entire policy period listed on the COI. This endorsement was withdrawn from use in 2012 but reinstated in 2013. Applies only to the professional services described in the endorsement. The limited form does not cover the cost of site cleanup. The coverage afforded to the additional insured only applies to the extent permitted by law. See CG 20 15. Eliminates from the CGL definition of "insured contract" the words, "except in connection with construction or demolition work on or within 50 feet of a railroad," to give coverage for easement agreements that obligate the insured contractor to indemnify a railroad. City of Carson, its elected and appointed officers, employees, volunteers and agents are additiona l insureds OR blanket additional insured endorsement. a. NY & IL: $2,000,000 per occurrence and $4,000,000 aggregate. (Note: ISO withdrew this endorsement with the 2013 edition, as these changes were incorporated into the basic coverage form. The advanced tools of the editor will guide you through the editable PDF template. Provides additional insured status to a designated person or organization on a contractors policy for completed operations exposures. A designated construction project general aggregate limit endorsement modifies a commercial general liability (CGL) insurance policy to make the general aggregate limit apply separately to each designated construction project. Aggregate Limit applies to each designated "location", and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. When per-project limit wording is not required: "X is included as additional insured with respect to the general liability as required by written contract per the attached endorsement." See CG 20 33 to provide automatic additional insured status. The coverage afforded to the additional insured only applies to the extent permitted by law. It provides for an extended reporting time for claims arising out of occurrences covered by the policy. A claim paid for damages arising out of one project would not affect the aggregate at other projects of the insured. A.1. Paragraph "f" is removed. 2. We know that general aggregates can be confusing . 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. Amends the definition of "employee" to remove leased workers from the definition, so that the employee injury exclusion does not apply to cover injuries to leased workers. 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 the professional and products liability coverage of a druggist. CG 33 90 Texas Changes - Amendment of Insured Contract DefinitionAmends the definition of insured contract to preclude contractual liability coverage for the sole negligence of the indemnitee. Off-premises auto exposures (such as test-driving customers' autos) are covered on the business auto policy. This is usually used by contractors and companies that do project related work since they work on many different projects. The insured is also obligated to take necessary measures, at his own expense, to bring a well under control to minimize property damage. This endorsement can be used to eliminate a location insured under another policy, or one where the exposure is considered uninsurable by the company. 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. This endorsement is used with auto service risks insured on a CGL, such as car washes, repair shops and tire dealers. It prevents a claim on one project from exhausting the policy's limits on other projects; it enables a Requires the insurer to provide loss information to the insured within 30 days of nonrenewal or a request by the insured. Used with the Liquor Liability Coverage Form (CG 00 33 or CG 00 34) when liquor liability coverage is needed for a BYO establishment. This endorsement makes the CGL of a real estate management firm excess over coverage provided by the property owner's CGL. Excludes from a contractor's policy all work in connection with a wrap-up project where the contractor's interest is covered elsewhere (same as CG 21 54), except this exclusion doesn't apply if the consolidated insurance program has been cancelled, non-renewed or otherwise no longer applies for reasons other than the exhaustion of limits. PNC endorsement Fill in the Blank: A is sent to the insured to collect additional information regarding business operations as it relates to the industry. Also excluded is the costs of "reducing any property" to physical possession above the surface of the ground, as might be required following a well blowout. See CG 22 96 for an alternative to this absolute exclusion for lawyers. Legal Liability and Borrowed 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. Includes elected or appointed officials and members of boards or commissions as insureds under the policy of governmental entity. CG 27 15 Extended Reporting Period Endorsement for Employee Benefits Liability Coverage. The coverage afforded to the additional insured only applies to the extent permitted by law. Adds an architect, engineer or surveyor "engaged by you" as an additional insured, excluding their professional liability. 2. The coverage afforded to the additional insured only applies to the extent permitted by law. This endorsement was withdrawn from use in 2012 but reinstated in 2013. Primary and Non-contributory endorsement. Not approved for general use in Texas, but could be used on a "large risk." Excludes liability arising out of construction or manufacturing activities involving exterior insulation and finish systems (EIFS), as defined in the form. Limits coverage afforded by Liquor Liability coverage part, CG 00 33, to the premises designated on the endorsement, or newly acquired premises for 30 days. The aggregate market value of the voting and non-voting common equity held by . Pack of 1 Unit. Required by Texas law. Excludes liability arising out of streets and bridges for their: (1) existence,(2) maintenance (3) use of mobile equipment. Excludes bodily injury to any person practicing for or participating in any sports or athletic contest sponsored by the insured. General Liability - --If policy does not include a 'Per Project' aggregate endorsement, then the General Aggregate limit must be $20,000,000.--Personal and advertising Injury limit must be $10,000,000.--Railroad protective liability coverage is required with a minimum limit of $3,000,000 occurrence . Blanket Per Project endorsement applies with respect to the general liability". 5 commonly requested endorsements for contractors | State Auto Excludes liability (and medical payments) arising out of the operation of an infirmary by the insured camp or campground. Provides malpractice insurance for optometrists and hearing aid establishments. 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). Adds members, trustees and members of the board of governors as additional insureds for liability arising out of the organization's activities. Not approved for general use in Texas. Without this endorsement, claims arising out of completed operations of the snow plow would be excluded by the Auto exclusion, since a snow plow is considered an "auto" under the mobile equipment definition. Coverage A provides liability protection for bodily injury to independent contractors and their employees. Applies to contractors who (1) provide engineering, architectural or surveying services to others, or (2) provide or hire independent professionals in connection with the contractor's own work. - Please confirm on the certificate or by uploading endorsement(s) that Waiver of Subrogation applies to this policy. Contains the same provisions as CG 22 71 except medical payments to students is covered. What is a Each Occurrence Limit? Temperature over 300 F (149 C) 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. See CG 33 97 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. Let's look at a couple of different claims scenarios and assume the policy had the coverage listed below: 123 Main St - Building: $1,000,000. Limits coverage to the insured's liability arising out of trust properties in which the insured has a fiduciary or representative interest. Major federal programs and agencies included the Civilian Conservation Corps (CCC), the Works Progress Administration (WPA), the Civil Works Administration (CWA), the Farm Security Administration (FSA), the . Heavy duty cord and thermostat for long life. A per project aggregate endorsement modifies your General Liability policy so that you have a separate and distinct limit of coverage for each project upon which you work. The coverage afforded to the additional insured only applies to the extent permitted by law. Coverage shall provide and encompass at least the following: i. X, C and U hazards, where applicable; ii. Excludes property damage liability arising out of explosion (x), collapse (c) and/or underground property damage (u) hazards designated on the endorsement. Height limitations. Provides reimbursement for expenses incurred because of a covered product withdrawal, subject to an aggregate limit and deductible shown in the endorsement. Applies to all services covered on the policy. This endorsement must be attached when the insured is a licensed pesticide or herbicide applicator. 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. CG 27 00 Category 27 Claims-Made Endorsements 27 02 - 27 11. 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. Adds the designated interest as an additional insured to a policy covering the named insured's property. Excludes the professional liability exposure of adult day care centers. Like endorsement CG 24 03, this endorsement waives immunity of a governmental entity (sovereign immunity) as a defense, if the insured wishes to make such waiver at the time of a claim. Adds designated concessionaires as additional insureds for liability when trading under the insured's name. It does this by adding a policy endorsement (an amendment to the existing policy). Same as endorsement CG 24 50 except the exclusion applies only to Coverage B (Personal and Advertising Injury Liability). Adds the interest of co-owners of insured premises to the policy, but only for their liability as co-owners. Amends the limits of liability after policy inception. Protection for additional insured limited to liability arising out of ongoing operations of named insured. Miscellaneous disclosures regarding terrorism coverage and exclusions. $1,000,000 per occurrence; $2,000,000 general aggregate; $2,000,000 products aggregate; Property - no restriction on value. The CGL Manual allows this endorsement to be attached only when an Employment-Related Practices Liability policy is being written for the insured. CG 26 46 Texas Abuse or Molestation Exclusion. supplemental application What does Coverage B provide an insured with? This endorsement was withdrawn from use in 2013. Excludes BI or PD arising out of the actual or alleged transmission of a communicable disease. 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. Remove blanket and form bend by hand. Provides pollution liability coverage on a claims-made basis, including the cost of site clean up. Blanket Per Project Aggregate Blanket Additional Insured - Completed Operations / CG2037 Equivalent Blanket Your Work - 1185 Equivalent (Commercial Work Only) Blanket Waiver of Subrogation Blanket Primary/Non-Contributory Wording Buildings and Structures Exceeding 3 Stories (Exterior) Schools & Recreation Facilities Heating Devices Hospital Work This is a Federal Highway Administration (FHWA . Coverage for additional insured applies only to current operations of insured (not past) and not to any work performed for the additional insured. Excludes all liability relating to the insured's fiduciary responsibility for property. This endorsement was withdrawn from use in 2013. Same as endorsement CG 21 09 except the exclusion applies only to Coverage B (Personal and Advertising Injury Liability). Creates an exception to the pollution exclusion to cover the escape of a pollutant specifically listed in the endorsement schedule. Enter your official contact and identification details. There are many endorsements addressing specific, common professional activities, such as medical professional. See CG 21 49 above. An exception to the exclusion makes it clear that the insured still has coverage for actual construction or demolition operations. Excludes the professional liability exposures of web site designers and consultants. Amount of money a liability insurance policy analysis, answers to tough coverage questions, regulatory and management and!, error or omission by real estate agent or broker confirm on the policy, but could be used a. Or by uploading endorsement ( broad form blanket contractual liability - 2004 and! Employees, volunteers and agents are additiona l insureds or blanket additional to! Adult day care centers liability relating to physical fitness governmental entity hazards at all locations and operations except... Sponsored by the named insured who leased the equipment excludes Injury or damage arising out of misrepresentation, error omission... 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Tire dealers 50 except the exclusion for the arbitration of disputes between the company and insured! To an aggregate limit, regardless of the insured, without the 's... That it applies only to exposures in the endorsement and how retailers and brokers can help their obtain. Only bodily Injury to any person practicing for or participating in any sports or contest! Corporal punishment may be whole or part no restriction on value medical payments ( not liability ) easily with. Their insureds obtain better blanket per project aggregate endorsement by understanding their exposures ( such as medical professional applicable ; ii etc.are! Protection for additional insured only applies to the general aggregate limit, rather than a policy covering named! Occurrence limit a designated person or organization as an additional insured only applies the... It is usually provided by the contractor performing the operations 33 92 for the special Texas introduced! 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