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. An extended reporting period is needed when claims-made coverage is canceled or not renewed and is not replaced by similar coverage with a retroactive date that includes the prior period of coverage. 456 Market St - Contents: $500,000. Modifies the policy to provide coverage needed for airports. Applies the aggregate limit separately to each location specified in the endorsement. See CG 33 97 for the special Texas endorsement introduced in 2012 but withdrawn in 2013.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. A "per claim" deductible would be applied to each claim arising out of one occurrence. Excludes liquor liability even if the insured is not in the liquor business, including Bring-Your-Own establishments. Must be attached when condominium associations are insured. Primary and Non-contributory endorsement. Excludes liability arising out of acts or omissions of the insured's (city's) law enforcement agency or police department. This endorsement is an absolute pollution exclusion, including products and completed operations. Limited coverage can be provided with endorsements CG 24 05 and CG 24 11. 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. Excludes all liability relating to the insured's fiduciary responsibility for property. Excludes completed operations liability for the work designated on the endorsement. CG 32 08 Texas Changes - Binding Arbitration. In some cases, the insured may wish to avoid paying numerous medical payments claims, and rely instead on liability protection for bodily injury. Amends policy provisions to comply with Texas Condominium Law. Excludes injury or damage arising out of rendering or failure to render any service or advice relating to physical fitness. 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. Re dating your ex. During loading and unloading, the exposure is covered by the Business Auto Policy. Same as above, except applies only to permits relating to premises use, such as the erection of a sign. Applies to ongoing operations only. Required by Texas law. 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. 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. Excludes "professional" services of various financial entities, such as banks, stock brokers, and investment counselors. Excludes the professional liability of blood banks in connection with blood donation, distribution or the acts of any doctor of medicine. This endorsement has no effect on bodily injury liability coverage. Cleanup costs are still excluded. 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. Same as CG 21 60 except it applies only to exposures in the products and completed operations hazard. Medical payments coverage for these individuals is excluded in the basic policy. This endorsement provides coverage to the additional insured on the same basis as the CG 20 10. 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. 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 . See Commentary in the Policy Guide. See CG 22 70. provide either one aggregate or otherwise cap the aggregate limit, regardless of the number of job sites. This endorsement is used when the insured railroad is not contracting with the contractor, but merely granting permission to perform operations on or near railroad property. Sample 1 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. Blanket Per Project endorsement applies with respect to the general 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. 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. Removes all of paragraph (1.) Excludes the professional liability exposure of veterinarians and veterinary hospitals. Same as CG 22 94 above, except it applies only to work sites or operations described in the endorsement. 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. See CG 22 36 to exclude products and professional liability. Make Bends, Offsets Or Saddles In PVC. See technical report Additional Insureds and Contractual Liability - 2004 Endorsements and Revisions in 2012 and 2013. This endorsement was withdrawn from use in 2012 but reinstated in 2013. The Designated Construction Project General Aggregate Limit is the most we will pay for the CG 33 91 Texas Additional Insured - Engineers, Architects or Surveyors. The endorsement excludes the expense of bringing an out of control well under control. The project agg must be added to a CGL by endorsement. 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. 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. CG 24 51 Limited Coverage for Designated Unmanned Aircraft (Coverage A Only). Used as an alternative to endorsement CG 21 06 (above) when the insurer agrees not to amend Exclusion "p" in Coverage A (Bodily Injury and Property Damage). This endorsement was withdrawn from use in 2012 but reinstated in 2013. The coverage afforded to the additional insured only applies to the extent permitted by law. This endorsement automatically provides coverage under the subcontractor's insurance policy to any contractually required party. Excludes all liability arising out of the professional services designated on the endorsement. The coverage afforded to the additional insured only applies to the extent permitted by law. The Who Is An Insured section of the policy is also amended to add trustees, members of boards or commissions and student teachers. A . 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. 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. b. GL Endorsements: 1. Coverage A provides liability protection for bodily injury to independent contractors and their employees. Does not cover liability arising out of the townhouse owner's individual property. 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; Endorsements. Details. See CG 33 91 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. 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. Say your policy combines a maximum $500,000 per claim with a policy aggregate limit of $1 million. Not approved for general use in Texas, CG 28 31 Railroad Protective Liability - Pollution Exclusion Amendment. CG 28 03 Supplemental Extended Reporting Period. Adds individual townhouse owners as additional insureds for liability as a member of the townhouse association. See CG 22 36 to exclude products and professional liability for a retail drug store. See CG 33 92 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. See CG 21 60 for an absolute Year 2000 exclusion. 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. 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. Excludes the professional exposures of testing and consulting firms. 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. We know that general aggregates can be confusing . The Per Project Aggregate amends the general aggregate so that it applies separately to designated projects. See also endorsements CG 21 07 and CG 21 08 below. 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. CG2010 Scheduled Additional Insured $25 charge per endorsement and Blanket Additional Insured $100 . 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. Excludes liability arising out of construction or manufacturing activities involving exterior insulation and finish systems (EIFS), as defined in the form. Broad form blanket contractual liability covering all indemnity Same as endorsement CG 21 09 except the exclusion applies only to Coverage A (Bodily Injury and Property Damage Liability). Account The contractual assumption must relate to the perils of false arrest, detention or imprisonment. Excludes bodily injury or personal injury arising out of employment practices of the insured. Provides automatic additional insured status to persons or entities for which the names insured has agreed in a construction contract to provide such coverage. Classement ville par superficie. 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. The current endorsement--Amendment--Aggregate Limits of Insurance (Per Project), CG 25 03, was designed and developed to make a separate aggregate limit available for each specific construction project that an insured contractor was involved in. A claim paid for damages arising out of one project would not affect the aggregate at other projects of the insured. 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. Excludes property damage liability arising out of explosion (x), collapse (c) and/or underground property damage (u) hazards designated on the endorsement. Allows for the arbitration of disputes between the company and the insured, with the arbitrator's decision being binding on the parties. Excludes errors and omissions in connection with the insured's telecommunications services. Per Project Aggregate The Per Project Aggregate endorsement is available at a charge of 3% of the general liability premium charge. The fact that corporal punishment may be administered in a proper and legal manner has no bearing on the exclusion. See CG 21 49 above. See CG 22 69 to cover products liability but not professional liability. Allows for the arbitration of disputes between the company and the insured, without the arbitrator's decision being binding on any party. Excludes coverage outside the basic policy territory (U.S. and possessions, Puerto Rico, Canada) for travel agencies. Adds a separate insuring agreement to include coverage for property damage arising out of erroneous delivery of seed, or error in mechanical mixture of seed. 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. 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. Required on all policies. This endorsement was withdrawn from use in 2012, but reinstated in 2013. Adds members, trustees and clergymen as additional insureds for liability arising out of church activities. CG 28 33 Pollution Liability - Voluntary Cleanup Costs Reimbursement. The coverage afforded to the additional insured only applies to the extent permitted by law. Requires the insurer to provide loss information to the insured within 30 days of nonrenewal or a request by the insured. There is no exception for liability assumed under an insured contract. Wrap blanket around, secure with hook and loop strap. This endorsement must be attached when the insured is a licensed pesticide or herbicide applicator. It delivers blanket coverage for any organization which requires additional insured coverage in a contract with the named insured. Same as endorsement CG 24 50 except the exclusion applies only to Coverage A (Bodily Injury and Property Damage Liability). The punishment is excluded whether it is administered by or done at the direction of any insured, not just the named insured. Amended to add trustees, members of boards or commissions and student teachers location specified the! 2012, but reinstated in 2013 exposure of veterinarians and veterinary hospitals townhouse owners additional. Endorsement provides coverage under the subcontractor & # x27 ; s insurance policy to provide such coverage damage... 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