Establishes separate per-occurrence limits for bodily injury and property damage. These endorsements are for use with the ISO claims-Made CGL. See CG 33 90 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. A few items to keep in mind with a 'project endorsement'. 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. Applies the general aggregate limit separately to each project of the insured. The coverage afforded to the additional insured only applies to the extent permitted by law. 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. This endorsement was withdrawn from use in 2012 but reinstated in 2013. The deductible, if any, may not exceed $5,000.00 per occurrence. An exception provides coverage if the failure is due to "sudden and accidental injury" to equipment supplying the service. See CG 01 56. 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. Removes all of paragraph (1.) This is an absolute exclusion of all exposures arising out of the Year 2000 problem. In this article, we examine the complexities of misc. Not approved for general use in Texas. 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. Excludes damage to property by fire (however caused) and damage to vehicles while loading or unloading by the insured logging or lumbering operation. 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. Non-tangible services offered by professionalshair stylists, car mechanics, massage therapists, etc.are businesses in need of insurance. 2. Excludes completed operations liability for the work 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 . This endorsement is for use with the claims-made liquor liability coverage part, CG 00 34. Changes the cancellation condition in the Common Policy Conditions (IL 00 17) and adds a nonrenewal condition.Required by Texas law. 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. 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. The products distributed are specified on the endorsement (See CG 24 10, Excess Provision - Vendor). CG 28 07 Principal's Protective Liability Coverage Part. See CG 22 36 to exclude products and professional liability for a retail drug store. Excludes damage to property being laundered or cleaned in a serf-service or coin-operated laundry or dry cleaner. The Project Agreement relates to the Base Agreement we entered . The limited form does not cover the cost of site cleanup. Provides extended reporting period for Employee Benefits Liability when endorsement CG 04 35 is attached to the policy. The City of Tucson is seeking qualified consultant support for the planning and design of HAWK Signals. Adds a designated franchiser to the policy covering the liability of the franchise purchaser. Unlike a per-occurrence limit, which limits the amount per claim, a general aggregate limit can be exhausted through either two claims, fifty claims, or anywhere in between. The coverage afforded to the additional insured only applies to the extent permitted by law. supplemental application What does Coverage B provide an insured with? 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 . The coverage afforded to the additional insured only applies to the extent permitted by law. Cleanup costs are still excluded. Provides protection for financial institutions (including officers, employees and trust beneficiaries) for liability arising out of the ownership, maintenance or use of property in any trust for which the named insured is acting in a fiduciary or representative capacity. CG 28 33 Pollution Liability - Voluntary Cleanup Costs Reimbursement. This is a professional liability exclusion for the specific risks named. This endorsement was withdrawn from use in 2013. CG 28 12 Owners and Contractors Protective Liability - Pesticide or Herbicide Applicator Coverage, This endorsement to OCP coverage part, CG 00 09, provides broader pollution coverage for contractors involved in the named activities on behalf of a premises owner. Excludes medical payments to patients in a health care facility or mission, and inmates in a penal institution. 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 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. Excludes liability arising out of existing buildings when a housing authority acquires a site for construction of a housing project. 456 Market St - Building: $2,000,000. Off-premises auto exposures (such as test-driving customers' autos) are covered on the business auto policy. 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 Per Project Aggregate Endorsement f. Contractor 's Liability Insurance under 5.1.C through 5.1.E and 5.1.G may be satisfied by primary insurance or a combination of primary and excess or umbrella insurance. Adds the designated person or organization as an additional insured, but only for liability arising out of financial control of the named insured or a premises owned by the additional insured and leased or occupied by the named insured. Provides for annual premium adjustment when the policy is issued for a term longer than one year. This is usually used by contractors and companies that do project related work since they work on many different projects. Like endorsement CG 21 06, this endorsement excludes damages arising out of access to or disclosure of confidential or personal information. Also clarifies that autos used on city property (streets) do not meet the definition of "mobile equipment", but remain "autos" excluded under the CGL. 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. Limits coverage to the insured's liability arising out of trust properties in which the insured has a fiduciary or representative interest. Allows for the arbitration of disputes between the company and the insured, without the arbitrator's decision being binding on any party. This endorsement was withdrawn from use in 2013. the U.S. Longshore and Harbor Workers' Compensation Act (USL&H) and the Jones Act, with a minimum limit of $2,000,000 per occurrence and in the aggregate, or as . CG 24 51 Limited Coverage for Designated Unmanned Aircraft (Coverage A Only). What is a Each Occurrence Limit? (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.) . Excludes liability coverage arising out of actual or threatened abuse or molestation of a person in the custody of any insured or employee. (See CG 22 74). See technical report Additional Insureds and Contractual Liability - 2004 Endorsements and Revisions in 2012 and 2013. $2,000,000 general aggregate. 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. 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. This endorsement can be used to eliminate a location insured under another policy, or one where the exposure is considered uninsurable by the company. Enter your official contact and identification details. Limited coverage can be provided with endorsements CG 24 05 and CG 24 11. For risks with multiple locations an expansion of the available coverage can be achieved by the use of a per-location aggregate. Adds an architect, engineer or surveyor "engaged by you" as an additional insured, excluding their professional liability. Blanket endorsementsdo not require that an additional insured be specifically named. All coverage is excluded for rendering or failing to render the professional services as a pharmacist, and liability relating to all products, whether the product is a drug or anything else sold by the insured. CG 24 25 provides coverage for fungi or mold with a sublimit. - Please confirm on the certificate or by uploading endorsement(s) that Waiver of Subrogation applies to this policy. Business Li- 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. . 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 . 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 liability protection for bodily injury (and medical payments) and personal injury to any volunteer fireman. Creates an exception to the pollution exclusion to cover the escape of a pollutant specifically listed in the endorsement schedule. The aggregate market value of the voting and non-voting common equity held by . It delivers blanket coverage for any organization which requires additional insured coverage in a contract with the named 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. Provides automatic additional insured status to persons or entities that have granted the named insured a license when the named insured has agreed in a written contract to provide such coverage. CG 33 95 Texas Additional Insured - Owners, Lessees, or Contractors - Scheduled Person or Organization. Provides automatic additional insured status to (1) persons or organizations with which the named insured has entered into a written construction contract or agreement and agreed to provide such coverage, and (2) other persons or organizations the named insured is required to add as an additional insured under that contract or agreement. See CG 33 97 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. Eliminates volunteer workers from the definition of insured. Excludes BI or PD arising out of the actual or alleged transmission of a communicable disease. Coverage and limits of liability apply only to the extent required in the contract or agreement. 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. Wrap blanket around, secure with hook and loop strap. Has Pen . Used with experience - rated risks to show experience rating date. The coverage must be included on the policy for the certificate to be correct. It provides for an extended reporting time for claims arising out of occurrences covered by the policy. Provides a specific waiver of subrogation for the designated person or organization, barring suit by the company which assumes the insured's rights after loss payment. This endorsement is used when no specific endorsement applies to the activities of the insured. The operations to which the endorsement applies must be shown on the endorsement or the schedule of classifications. Provides liability coverage for the ownership, use, or lease of watercraft described on the endorsement. Excludes bodily injury to any person practicing for or participating in any sports or athletic contest sponsored by the insured. The Aggregate Limits Per Project coverage enhancement applies a separate general aggregate limit for ongoing operations at each construction project away from premises owned or rented to the insured. Excludes bodily injury or personal injury arising out of employment practices of the insured. $1,000,000 personal & advertising injury. 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. 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)]. Adds these professionals as additional insureds (excluding professional liability) when they are engaged by other than the named insured (such as the project owner). This endorsement was withdrawn from use in 2013. . This endorsement provides coverage to the additional insured on the same basis as the CG 20 10. Aggregate Limit applies to each designated "location", and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. nmC //nsu Submit by Email Print Form -"1/1 nl// Who Mc/hvwc/c (WI/' Whnu Perhaps a project will last 15 months, so . This endorsement was withdrawn from use in 2012 but reinstated in 2013. These are typically issued for a specific project, but sometimes can be endorsed on a blanket basis. See also endorsements CG 21 07 and CG 21 08 below. This endorsement was withdrawn from use in 2013. Excludes all liability arising out of the ownership, maintenance, use or entrustment to others of any unmanned aircraft, such as a drone. The coverage afforded to the additional insured only applies to the extent permitted by law. Coverage for an occurrence which results in 3rd party's BI and/or PD. 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. blanket schedule. Coverage is not included automatically, and must be requested if needed. Excludes any occurrences taking place after the named insured stops leasing the land, and any construction or alteration operations performed by or on behalf of the additional insured. CG 32 08 Texas Changes - Binding Arbitration. This endorsement must be attached when the insured is a licensed pesticide or herbicide applicator. Contains the same provisions as CG 22 71 except medical payments to students is covered. Provides coverage for property damage to underground resources and equipment, establishing a special Aggregate limit for the coverage. If coverage for these exposures is to be provided on the CGL, attach endorsement CG 22 69 for products liability only or CG 22 97 for products and professional liability. Broad form endorsement offered at no additional cost; helps protect . Provides professional and products liability coverage for a retail drug store. (See CG 20 33 above to provide additional insured status only to the party with which the insured has entered into a contract or agreement.) Excludes only medical payments (not liability) to children enrolled in a day care center. GL Endorsements: 1. CG 24 27 - Limited Contractual Liability - Railroads. DESIGNATED CONSTRUCTION PROJECT(S) GENERAL AGGREGATE LIMIT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Construction Projects: THIS ENDORSEMENT APPLIES TO ALL CONSTRUCTION PROJECTS OF THE NAMED INSURED. We know that general aggregates can be confusing . 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. Adds an architect, engineer or surveyor "engaged by you" as an additional insured, excluding their professional liability. Mandatory endorsement for the liquor liability claims-made coverage form. b. Requires the insurer to provide loss information to the insured within 30 days of nonrenewal or a request by the insured. Additional insured status applies only to the person or organization which has entered into the contract or agreement. Requires the insurer to notify the insured when the insurer intends to settle a claim and after the claim is settled. 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. Must be attached to policies insuring churches. Used as an alternative to mandatory endorsement CG 21 06 to add coverage for property damage to electronic data when such damage arises out of physical injury to tangible property, subject to a separate limit. Covers liability exposures and expenses related to product withdrawal. 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. Although coverage is retained for incidental contracts, such as lease of premises, the endorsement specifies that only written contracts are covered, not oral contracts. Exception provides coverage to the extent permitted by law exception to the extent permitted by law is covered claims-made. Use with the ISO claims-made CGL they work on many different projects molestation of a communicable disease CG 24 -! 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