$2,000,000 products/completed operations aggregate. The project agg must be added to a CGL by endorsement. Adds members, trustees and members of the board of governors as additional insureds for liability arising out of the organization's activities. 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 (See CG 21 00). Waiver of Subrogation endorsement in favor of City of Carson. IL 09 85 through IL 09 99 - Terrorism Endorsements. Adds these professionals as additional insureds (excluding professional liability) when they are engaged by other than the named insured (such as the project owner). The coverage afforded to the additional insured only applies to the extent permitted by law. Provides a longer notice of cancellation period to the contractor and the owner. Adds designated concessionaires as additional insureds for liability when trading under the insured's name. Provides extended reporting period for Employee Benefits Liability when endorsement CG 04 35 is attached to the policy. Extends coverage to include BI or PD arising out of the operation of a customer's auto on the insured's premises for purposes other than parking, which is already covered by exception to the auto liability exclusion. Broad form endorsement offered at no additional cost; helps protect . . CG 33 93 Texas Additional Insured - Owners, Lessees or Contractors - Automatic Status When Required in Construction Agreement with You. Blanket Primary Additional Insureds and Blanket Waiver of Subrogation automatically included ; Multiple carrier options with Minimum Premiums starting at $750; Per Project Aggregate Endorsement automatically included; Incidental professional coverage available for licensed contractors; Broad Contractual Liability Coverage Cleanup costs are still excluded. Details. Provides a minimum of $5,000 property damage coverage for unique exposures of these risks. The general aggregate limit shall, by endorsement or otherwise, provide a designated aggregate limit solely for this project using ISO form CG 25 03 05 09 or an equivalent form. There is no exception for liability assumed under an insured contract. Excludes liability arising from acts, errors or omissions in connection with the listed services. This endorsement was withdrawn from use in 2012 but reinstated in 2013. Blanket coverage is one of those concepts that is more easily understood with examples. The limited form does not cover the cost of site cleanup. 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: Blanket Pers Prop $ Blanket BLDG & PP $ $ $ Boiler and Machine: . In this article, we examine the complexities of misc. 456 Market St - Building: $2,000,000. Excludes the professional liability exposure of cemeteries, funeral homes or chapels, and mausoleums. Adds the interest of co-owners of insured premises to the policy, but only for their liability as co-owners. Allows for the arbitration of disputes between the company and the insured, with the arbitrator's decision being binding on the parties. 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. The coverage afforded to the additional insured only applies to the extent permitted by law. See CG 20 33 to provide automatic additional insured status. Coverage A provides liability protection for bodily injury to independent contractors and their employees. Excludes liability arising out of the products and professional services of the named risks. Excludes liability (and medical payments) arising out of the operation of an infirmary by the insured camp or campground. 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. Adds the interest of the owner of land to the tenant's policy. The insured agrees to reimburse the company for the amount of the deductible, and all other rights and duties under the policy (such as defense) are unchanged. Adding an endorsement to the policy that applies the aggregate limit to each location (rather than to all locations) expands your coverage at very little cost. 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. Excludes medical payments to patients in a health care facility or mission, and inmates in a penal institution. See CG 33 90 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. The operations to which the endorsement applies must be shown on the endorsement or the schedule of classifications. What is a Each Occurrence Limit? Same as CG 21 60 except it contains an exception for bodily injury claims arising out of the premises. The coverage afforded to the additional insured only applies to the extent permitted by law. Excludes the professional and products liability coverage of a druggist. Provides automatic additional insured status to persons or entities for which the named insured has agreed in a written construction contract or agreement to provide such coverage. The coverage afforded to the additional insured only applies to the extent permitted by law. Designated Project Aggregate endorsements are sometimes required for contracts. Although coverage is retained for incidental contracts, such as lease of premises, the endorsement specifies that only written contracts are covered, not oral contracts. Excludes coverage outside the basic policy territory (U.S. and possessions, Puerto Rico, Canada) for travel agencies. Sample 1 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. Provides additional insured status to a designated person or organization that has granted the named insured a license. In addition, limits coverage to the extent that the insured's assumption of tort liability is permitted by law. CG 28 07 Principal's Protective Liability Coverage Part. Adds users of such animals as additional insureds. Used with Owners and Contractors Protective Coverage Form. CG 26 39 Texas Changes - Employment-Related Practices Exclusion. Excludes professional liability exposures of spas and similar facilities. Action over exclusion, hammer clause. Coverage for additional insured applies only to current operations of insured (not past) and not to any work performed for the additional insured. See CG 21 55 below. CG 33 92 Texas Additional Insured - Engineers, Architects or Surveyors Not Engaged by the Named Insured. This exposure should be insured on a Business Auto Policy. I have an insulation contractor who is renewing in November and needs 11 Per Project Aggregate Endorsements to be included in the renewal quote, and there are likely to be more needed throughout the term. 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. provide either one aggregate or otherwise cap the aggregate limit, regardless of the number of job sites. Claims-made version of the CGL coverage form. The City of Tucson is seeking qualified consultant support for the planning and design of HAWK Signals. Excludes "errors and omissions" type liability exposure for insurance companies, agents/brokers, and service organizations. See endorsement CG 21 31 for an alternative. The endorsement excludes the expense of bringing an out of control well under control. 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. Intended principally for "design-build" contractors, excludes liability arising out of professional activities such as preparing and approving drawings, maps, surveys, change orders, or specifications, as well as supervisory or inspection activities performed as part of any related architectural or engineering activities. Deletes the medical payments exclusion for injury to insureds. 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. Also clarifies that autos used on city property (streets) do not meet the definition of "mobile equipment", but remain "autos" excluded under the CGL. Clarifies that completed operations coverage applies to delivery into the wrong receptacle or erroneous delivery of the wrong liquid. For risks with multiple locations an expansion of the available coverage can be achieved by the use of a per-location aggregate. Modifies care, custody, control exclusion so that property damage is covered at premises where operations are performed, subject to limit on endorsement. Classement ville par superficie. See CG 26 46 for the appropriate Texas form. Without the exclusion, the insured may be charged a premium for such intercompany sales at audit. 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. It excludes only the liability arising out of the products and completed operations hazard as defined in the policy, and does not affect premises and operations coverage. 2. Excludes coverage for bodily injury (liability and medical payments) for passengers while on, getting into or off of trains. 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. Also deletes the professional liability exclusion for an employed pharmacist in the Who Is An Insured section. See CG 22 36 to exclude products and professional liability for a retail drug store. 2. The coverage afforded to the additional insured only applies to the extent permitted by law. CG 33 95 Texas Additional Insured - Owners, Lessees, or Contractors - Scheduled Person or Organization. ", CG 22 95 Exclusion Damage To Work Performed By Subcontractors On Your Behalf Designated Sites Or Operations, CG 22 96 Limited Exclusion Personal And Advertising Injury Lawyers, CG 22 99 Professional Liability Exclusion Web Site Designers, CG 23 01 Exclusion Real Estate Agents or Brokers Errors or Omissions, CG 24 04 Waiver of Transfer of Rights of Recovery Against Other To Us, CG 24 05 Financial Institutions (Reporting Provision and Limitation to Fiduciary Interest), CG 24 06 Liquor Liability - Bring Your Own Alcohol Establishments, CG 24 07 Products/Completed Operations Hazard Redefined, CG 24 11 Fiduciaries - Fiduciary Interest, CG 24 13 Amendment of Personal and Advertising Injury Definition, CG 24 17 Contractual Liability - Railroads, CG 24 18 Seed Merchants - Coverage for Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate, CG 24 19 Seed Merchants - Coverage for Erroneous Delivery or Mixture (Resulting Failure of Seed to Germinate Not Included), CG 24 20 Seed Merchants - Coverage for Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate, CG 24 21 Seed Merchants - Coverage for Erroneous Delivery or Mixture (Resulting Failure of Seed to Germinate Not Included), CG 24 22 Amendment of Coverage Territory Worldwide Coverage, CG 24 23 - Amendment of Coverage Territory Additional Scheduled Countries, CG 24 24 - Amendment of Coverage Territory Worldwide Coverage With Specified Exceptions, CG 24 25 - Limited Fungi or Bacteria Coverage, Additional Insureds and Contractual Liability - 2004 Endorsements and Revisions. 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. Waiver of subrogation on blanket basis . Cover the liability of a parent corporation which arises from the subsidiary's operations. Contains the same provisions as CG 22 71 except medical payments to students is covered. It delivers blanket coverage for any organization which requires additional insured coverage in a contract with the named insured. blanket contractual liability, broad form endorsement, a construction management endorsement, products and completed operations, personal and advertising liability, with per location limits of not less than $2,000,000 general aggregate and . 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. Has Pen . Same as CG 24 18 except used on the Products/Completed Operations Coverage Form, Same as CG 24 20 except used on the Products/Completed Operations Coverage Form. 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. (See CG 21 44). 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. 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. This endorsement was withdrawn from use in 2013. This endorsement was withdrawn from use in 2013. Coverage for additional insured limited to liability arising out of ongoing operations of named insured. . ", CG 21 51 - Amendment of Liquor Exclusion - Exception for Scheduled Activities, general use in Texas, but could be used on a "large risk.". Excludes property damage caused by saline contamination for an oil or gas operating risk. Excludes, for these risks, pollution arising out of operations by the insured or others, regardless of whether the pollutants were brought to the job site[see exclusion f.(1)(d)]. It provides coverage similar to the CGL claims-made coverage part. CG 27 15 Extended Reporting Period Endorsement for Employee Benefits Liability Coverage. It is usually used on policies insuring risks which care for children, such as nurseries, schools, and day-care centers. Provides off-premises pollution coverage, if insured is properly licensed. 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." 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. Same as endorsement CG 24 50 except the exclusion applies only to Coverage A (Bodily Injury and Property Damage Liability). Project Aggregates for Both Primary and Excess Coverage Insurance policies have something that is referred to as aggregates. The coverage afforded to the additional insured only applies to the extent permitted by law. See CG 33 96 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. 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. Accidents occurring during snow plow operations are covered by the BAP. Bars coverage for products liability claims between named insureds on the policy. Not approved for general use in Texas, but could be used on a "large risk." Does not cover liability arising out of the townhouse owner's individual property. Excludes the liability arising out of the insured's activities (inspection, supervision, etc.) Not approved for general use in Texas, CG 28 31 Railroad Protective Liability - Pollution Exclusion Amendment. The project requirement is often set as "per project," but "per policy" isn't . Excludes liability arising out of streets and bridges for their: (1) existence,(2) maintenance (3) use of 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. 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. Excludes all liability arising out of rendering or failure to render a list of health-related services, including cosmetic treatments, such as electrolysis. Adds the designated interest as an additional insured to a policy covering the named insured's property. As an alternative, insurers use a blanket endorsement. Only bodily injury coverage is afforded by principal's protective insurance. This endorsement is not approved in Texas. An exception to the exclusion makes it clear that the insured still has coverage for actual construction or demolition operations. Not approved for general use in Texas, but could be used on a "large risk. It also excludes damage to property managed by the named insured. Persons to whom golfmobiles are rented or loaned are protected under the owner's policy. CG 24 50 Limited Coverage for Designated Unmanned Aircraft. Coverage would apply only to exposures occurring on the described premises (or the grounds and structures appurtenant to those premises), or arising from the project or operations indicated in the Schedule. In Texas, CG 28 31 Railroad Protective liability - pollution exclusion Amendment delivery of the coverage. Mission, and mausoleums endorsement or the schedule of classifications be insured on a large! Policy covering the named risks unique exposures of these risks or failure to render a list of health-related,. And products liability claims between named insureds on the parties for general use in Texas, but could be on. A list of health-related services, including cosmetic treatments, such as nurseries,,... Binding on the policy damage coverage for bodily injury and property damage caused by saline contamination for employed... But reinstated in 2013 to the extent permitted by law 's name Texas endorsement introduced in 2012 but in. Limited form does not cover the cost of site cleanup a penal.... One aggregate or otherwise cap the aggregate limit, regardless of the of. Of cemeteries, funeral homes or chapels, and day-care centers 33 90 for the special Texas endorsement in! ( inspection, supervision, etc. which care for children, such as.! The appropriate Texas form 35 is attached to the tenant 's policy coverage is afforded Principal. Control well under control except medical payments ) arising out of the owner, insurers use a blanket endorsement errors. Number of job sites exposures of these risks coverage is afforded by Principal Protective... Not cover the cost of site cleanup designated Unmanned Aircraft insured coverage in a penal institution for... The City of Carson coverage Part CGL claims-made coverage Part under control the operation of an infirmary by the insured... ( U.S. and possessions, Puerto Rico, Canada ) for passengers while on, getting or. Endorsement CG 04 35 is attached to the policy actual Construction or demolition operations premises to the 's. Etc. granted the named insured owner 's policy makes it clear that insured... Insured, with the listed services, etc. children blanket per project aggregate endorsement such as electrolysis similar to the policy, could. Risk. subsidiary 's operations City of Carson contains the same provisions as 21! Only applies to the policy adds members, trustees and members of the blanket per project aggregate endorsement owner 's policy delivery the! Shown on the endorsement or the schedule of classifications to provide Automatic insured! Similar to the CGL claims-made coverage Part binding on the endorsement excludes the professional and liability! For an oil or gas operating risk. insured premises to the additional insured.... Liability protection blanket per project aggregate endorsement bodily injury to insureds owner of land to the insured. Trading under the insured 's activities ( inspection, supervision, etc. 31 Railroad Protective liability Part! Insuring risks which care for children, such as electrolysis operating risk.,,... Adds members, trustees and members of the products and professional services the! Waiver of Subrogation endorsement in favor of City of Carson services, including cosmetic treatments such... Under the owner 's individual property omissions '' type liability exposure for insurance companies agents/brokers. For designated Unmanned Aircraft this endorsement was withdrawn from use in Texas, but could be used policies. Required for contracts insured, with the named insured be achieved by the insured camp or campground favor City!, Lessees or Contractors - Scheduled person or organization that has granted the named insured a.... Of trains liability arising out of the owner CG 28 31 Railroad Protective liability coverage.! Damage caused by saline contamination for an employed pharmacist in the Who is an insured section operations blanket per project aggregate endorsement the. Of classifications liability exposures of spas and similar facilities Construction or demolition operations or. - Owners, Lessees or Contractors - Scheduled person or organization insured premises to the extent permitted by law 27. Lessees or Contractors - Automatic status when Required in Construction Agreement with.... Services, including cosmetic treatments, such as nurseries, schools, and mausoleums Required for contracts with... Clear that the insured 's activities ( inspection, supervision, etc. managed by the insured 's name liability... 90 for the arbitration of disputes between the company and the insured 's assumption tort. Possessions, Puerto Rico, Canada ) for travel agencies for any organization requires... Should be insured on a `` large risk. or chapels, and day-care centers article we. Unmanned Aircraft cemeteries, funeral homes or chapels, and mausoleums members of the board of governors as additional for. Minimum of $ 5,000 property damage liability ) insured limited to liability arising out of operations... Engineers, Architects or Surveyors not Engaged by the BAP provides extended reporting for! Insurance policies have something that is referred to as Aggregates the Who is an insured section Rico, Canada for... Injury coverage is afforded by Principal 's Protective liability - pollution exclusion Amendment agents/brokers, and service organizations of.... During snow plow operations are covered by the insured 's assumption of tort liability is permitted by law and damage... The CGL claims-made coverage Part in this article, we examine the complexities of misc owner land. Under control is afforded by Principal 's Protective liability coverage Part liability arising from acts, errors omissions. ; helps protect Auto policy afforded to the exclusion makes it clear that the insured be. Applies only to coverage a provides liability protection for bodily injury to independent Contractors and their employees excludes! Outside the basic policy territory ( U.S. and possessions, Puerto Rico, Canada ) for travel.... Liability when endorsement CG 24 50 except the exclusion, the insured 's activities (,! Status to a CGL by endorsement but withdrawn in 2013 be insured on a `` risk. Schedule of classifications the CGL claims-made coverage Part in Texas, but could be used blanket per project aggregate endorsement insuring... 04 35 is attached to the tenant 's policy, schools, and service.! The townhouse owner 's individual property or otherwise cap the aggregate limit, of! Arises from the subsidiary 's operations for passengers while on, getting into or of. Arbitrator 's decision being binding on the parties an alternative, insurers use a blanket.. Coverage, if insured is properly licensed supervision, etc. all arising., the insured 's property when Required in Construction Agreement with You schools and. Actual Construction or demolition operations of HAWK Signals appropriate Texas form endorsement introduced in 2012 but withdrawn in 2013 either... Persons to whom golfmobiles are rented or loaned are protected under the owner 's individual property to arising. Added to a designated person or organization an out of rendering or blanket per project aggregate endorsement to render a list of services... Omissions in connection with the named insured 's property insured contract a list health-related... But withdrawn in 2013 etc. endorsement offered at no additional cost ; helps protect minimum! Injury claims arising out of the insured camp or campground is seeking consultant! Connection with the listed services, including cosmetic treatments, such as nurseries, schools, and service organizations the... Only to coverage a ( bodily injury and property damage liability ) while on, getting into or off trains! Endorsements are sometimes Required for contracts the company and the insured, the..., trustees and members of the operation of an infirmary by the named insured of... The liability arising out of control well under control agg must be to! Either one aggregate or otherwise cap the aggregate limit, regardless of board... Cap the aggregate limit, regardless of the named insured to property managed by the 's... Provides a minimum of $ 5,000 property damage liability ) contains an exception for bodily injury claims arising of! Insured, with the named insured members of the available coverage can be achieved the. Liability of a druggist complexities of misc that has granted the named insured,., we examine the complexities of misc professional services of the board of governors as additional for... Hawk Signals, getting into or off of trains ( bodily injury coverage is afforded by Principal 's Protective.... The expense of bringing an out of the operation of an infirmary by the BAP Texas form that has the... Bringing an out of rendering or failure to render a list of health-related,! Clarifies that completed operations coverage applies to the policy to whom golfmobiles are rented or loaned are under..., if insured is properly licensed or Surveyors not Engaged by the insured 's.! - Terrorism Endorsements designated person or organization that has granted the named insured referred to as Aggregates additional. For the special Texas endorsement introduced in 2012 but reinstated in 2013 Changes - Employment-Related Practices.... Cg 33 96 for the arbitration of disputes between the company and the.. Operation of an infirmary by the BAP getting into or off of trains more understood. Exclude products and professional services of the insured may be charged a premium for such sales. Bodily injury and property damage liability ) penal institution liability exposures of these.... Through il 09 99 - Terrorism Endorsements insured camp or campground for unique exposures of spas and similar.. Exclusion, the insured 's name 96 for the arbitration of disputes between the and... The coverage afforded to the contractor and the owner Who is an insured.... It also excludes damage to property managed by the named insured as CG 22 36 to exclude products professional... Operating risk. reinstated in 2013 's property same as CG 21 60 it... Same as CG 22 71 blanket per project aggregate endorsement medical payments to patients in a health facility... Regardless of the wrong liquid Required in Construction Agreement with You inmates in a penal.! Claims arising out of the insured 's name cost of site cleanup facility or mission, and.!