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. Excludes injury or damage arising out of rendering or failure to render any service or advice relating to physical fitness. Excludes all liability arising out of rendering or failure to render a list of health-related services, including cosmetic treatments, such as electrolysis. Additional insured status applies only to the person or organization which has entered into the contract or agreement. Per project aggregate; Endorsements. The coverage afforded to the additional insured only applies to the extent permitted by law. See technical report Additional Insureds and Contractual Liability - 2004 Endorsements and Revisions in 2012 and 2013. Excludes the professional and products liability coverage of a druggist. 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. 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. CG 26 39 Texas Changes - Employment-Related Practices Exclusion. See CG 33 92 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. Used as an alternative to mandatory endorsement CG 21 06 (above) when the insurer does not want to provide the limited exception for bodily injury damages. 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 Excludes the professional liability of blood banks in connection with blood donation, distribution or the acts of any doctor of medicine. The advanced tools of the editor will guide you through the editable PDF template. Since the endorsement excludes personal and advertising injury, including libel, slander and invasion of privacy, insurance professionals should be certain their E&O policy covers these claims. Not approved for general use in Texas, but could be used on a "large risk." (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.) It also excludes damage to property managed by the named insured. Excludes bodily injury to any person practicing for or participating in any sports or athletic contest sponsored by the insured. Coverage is limited to the designated site or location of work. 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. 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 . Various endorsements for the miscellaneous coverage forms. Bars coverage for products liability claims between named insureds on the policy. Broad form blanket contractual liability covering all indemnity As for the "per project" basis, the general aggregate limit will apply to each project that the policyholder works on. Provides off-premises pollution coverage, if insured is properly licensed. Such a provision is required for charitable institutions in some states, but not in Texas. 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 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. What is the per location endorsement? Excludes all liability arising out of silica or silica-based dust. 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. On This Page Additional Information Details. GL Endorsements: 1. (See CG 21 44). Provides additional insured status to a designated person or organization on a contractor's policy for completed operations exposures. The contractual assumption must relate to the perils of false arrest, detention or imprisonment. Protects a railroad company from liability arising out of operations performed on or near railway property. 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. This endorsement was withdrawn from use in 2012 but reinstated in 2013. Inland Marine - no restriction on value. There is no exception for liability assumed under an insured contract. Coverage for additional insured limited to liability arising out of ongoing operations of named insured. 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. See CG 20 33 to provide automatic additional insured status. The Per Project Aggregate amends the general aggregate so that it applies separately to designated projects. The project endorsement in addition to the base practice policy limit ($1,000,000 per claim and $1,000,000 aggregate), this then meets the requirement for your client of $2,000,000 per claim and $2,000,000 aggregate. Limits coverage to the insured's liability arising out of trust properties in which the insured has a fiduciary or representative interest. Same as endorsement CG 24 50 except the exclusion applies only to Coverage A (Bodily Injury and Property Damage Liability). 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. Adds unit-owners as additional insureds for liability arising out of common areas. Excludes all liability arising out of fungi (including mold) or bacteria, including the costs of remediation. The coverage afforded to the additional insured only applies to the extent permitted by law. The endorsement excludes the expense of bringing an out of control well under control. 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 relating to exposures of the named risks, including design, specifications, supervision and inspection. See CG 33 97 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. 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. 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. This endorsement can be used in the same manner as the designated products exclusion CG 21 33. Paragraph "f" is removed. CG 28 33 Pollution Liability - Voluntary Cleanup Costs Reimbursement. 2. Applies the general aggregate separately to each premises owned by or rented to the insured. A blanket additional insured endorsement may be available for with your insurance company. It's free to sign up and bid on jobs. CG 24 27 - Limited Contractual Liability - Railroads. Coverage B applies to liability caused by the independent contractor. 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. CG 24 50 Limited Coverage for Designated Unmanned Aircraft. Excludes liquor liability even if the insured is not in the liquor business, including Bring-Your-Own establishments. Allows for the arbitration of disputes between the company and the insured, with the arbitrator's decision being binding on the parties. 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. Deletes the medical payments exclusion for injury to insureds. - 30 Days Notice of Cancellation Required. 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. The fact that corporal punishment may be administered in a proper and legal manner has no bearing on the exclusion. Not approved for general use in Texas, CG 28 31 Railroad Protective Liability - Pollution Exclusion Amendment. It is usually provided by the contractor performing operations for the named insured. Same as endorsement CG 24 50 except the exclusion applies only to Coverage B (Personal and Advertising Injury Liability). blanket schedule. This endorsement provides coverage to the additional insured on the same basis as the CG 20 10. The Designated Location General Aggregate Limit is the most we will pay for the sum of all damages under Coverage A, except damages because of "bodily injury" or Excludes liability arising out of streets and bridges for their: (1) existence,(2) maintenance (3) use of mobile equipment. Excludes "errors and omissions" type liability exposure for insurance companies, agents/brokers, and service organizations. PLEASE READ IT CAREFULLY. This endorsement is not approved in Texas. The coverage afforded to the additional insured only applies to the extent permitted by law. A few items to keep in mind with a 'project endorsement'. 2. A "Per Project" aggregate means the insurer will pay the same $2M for all claims that occur from any specific project. 456 Market St - Contents: $500,000. Project: Total design of of which the Work performed under this Agreement may be whole or part. The coverage afforded to the additional insured only applies to the extent permitted by law. Although coverage is retained for incidental contracts, such as lease of premises, the endorsement specifies that only written contracts are covered, not oral contracts. 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. Excludes the professional liability exposure of veterinarians and veterinary hospitals. In addition, limits coverage to the extent that the insured's assumption of tort liability is permitted by law. Vicats vica and milla best moments compilation 2 Paynawa mangan sindi. 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. CG 33 93 Texas Additional Insured - Owners, Lessees or Contractors - Automatic Status When Required in Construction Agreement with You. Excludes the professional liability exposures of web site designers and consultants. See technical report Additional Insureds and Contractual Liability - 2004 Endorsements and Revisions in 2012 and 2013. If additional insured status is required by contract or agreement, coverage and limits of liability apply only to the extent required in the contract or agreement. Applies the general aggregate separately to each premises owned by or rented to the insured. During loading and unloading, the exposure is covered by the Business Auto 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. This is a claims-made endorsement for use with coverage part CG 00 39, Pollution Liability. Provides a minimum of $5,000 property damage coverage for unique exposures of these risks. City of Carson, its elected and appointed officers, employees, volunteers and agents are additiona l insureds OR blanket additional insured endorsement. That portion of "your work" out of which the injury or damage arises has been put to its intended use by any person or organization Requires the insurer to provide loss information to the insured within 30 days of nonrenewal or a request by the insured. We know that general aggregates can be confusing . CG 27 00 Category 27 Claims-Made Endorsements 27 02 - 27 11. Miscellaneous disclosures regarding terrorism coverage and exclusions. Adds an architect, engineer or surveyor "engaged by you" as an additional insured, excluding their professional liability. The operations to which the endorsement applies must be shown on the endorsement or the schedule of classifications. See CG 21 55 below. Provides coverage for incidental application of "over the counter" herbicides or pesticides on lawns under the insured's regular care. A claim paid for damages arising out of one project would not affect the aggregate at other projects of the insured. This will provide for the full amount of your per occuerence limit to that project. 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 is used when the company wants to avoid the entire products and completed operations exposure, or when all premises and operations classifications on the policy include this exposure and a separate limit for this coverage is not needed. The first coverage is when the project owner is held vicariously liable for acts or omissions of the general contractor. Adds designated concessionaires as additional insureds for liability when trading under the insured's name. 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. Controlled even heating for uniform bending. Assignees and receivers are usually added to the policy upon the death or bankruptcy of the insured. The coverage afforded to the additional insured only applies to the extent permitted by law. Excludes liability arising out of acts or omissions of the insured's (city's) law enforcement agency or police department. 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. Coverage shall provide and encompass at least the following: i. X, C and U hazards, where applicable; ii. CG 33 92 Texas Additional Insured - Engineers, Architects or Surveyors Not Engaged by the Named Insured. Excludes all liability and medical payments coverage arising out of corporal punishment of a student. This endorsement must be attached when the insured is a licensed pesticide or herbicide applicator. The coverage afforded to the additional insured only applies to the extent permitted by law. Excludes the professional exposures of testing and consulting firms. Blanket Pers Prop $ Blanket BLDG & PP $ $ $ Boiler and Machine: . 123 Main St - Contents: $500,000. Excludes coverage outside the basic policy territory (U.S. and possessions, Puerto Rico, Canada) for travel agencies. 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. Sex offenders in my area watchdog by zip. Say your policy combines a maximum $500,000 per claim with a policy aggregate limit of $1 million. Clarifies that a BYO establishment is to be considered selling, serving or furnishing alcoholic beverages. IL 02 75 - Texas Changes - Cancellation and Nonrenewal Provisions for Casualty Lines and Commercial Package Policies. The project requirement is often set as "per project," but "per policy" isn't . Removed all of Coverage B - Personal and Advertising Injury Liability. $2,000,000 general aggregate. Excludes bodily injury and property damage arising out of rolling stock (rail cars) while track is being constructed or repaired. supplemental application What does Coverage B provide an insured with? CG 24 52 Limited Coverage for Designated Unmanned Aircraft (Coverage B Only). Used with experience - rated risks to show experience rating date. 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. There are several important exclusions applying to the vendor's protection, which suggests that vendors still need their own liability protection, and cannot rely wholly on that of the manufacturer. CG 33 96 Texas Additional Insured - Lessor of Leased Equipment. Must be attached when condominium associations are insured. Excludes errors and omissions in connection with the insured's telecommunications services. 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 from a contractor's policy all work in connection with a wrap-up project where the contractor's interest is covered elsewhere. Cleanup costs are still excluded. 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. Business Li- 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. Not approved for general use in Texas, but could be used on a "large risk." Not approved for general use in Texas. This endorsement was withdrawn from use in 2013. 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. Excludes all liability coverage for governmental entities arising out of riot or civil commotion, or attempts to prevent or suppress such activities. Mandatory endorsement for the products and completed operations claims-made coverage form. 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. CG 24 26 - Amendment of Insured Contract Definition. The coverage afforded to the additional insured only applies to the extent permitted by law. This endorsement is for use with the claims-made liquor liability coverage part, CG 00 34. Excludes all liability relating to the insured's fiduciary responsibility for property. 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 punishment is excluded whether it is administered by or done at the direction of any insured, not just the named insured. CG 25 04 Designated Location(s) General Aggregate Limit. Only bodily injury coverage is afforded by principal's protective insurance. 3. The coverage must be included on the policy for the certificate to be correct. Excludes coverage for damage to the property of others in the care of security and patrol agencies or warehouses. Blanket per project aggregate endorsement. 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. Coverage for additional insured applies only to current operations of insured (not past) and not to any work performed for the additional insured. Expands the definition of coverage territory to include anywhere in the world, and provides for reimbursement of the insureds legal expenses and judgments if the insurer is prevented by law from directly defending or indemnifying in the country where a claim takes place. 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. See CG 33 96 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. 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. 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. 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 . Mandatory endorsement (unless CG 04 37 or CG 21 07 (below) is attached). Coverage A provides liability protection for bodily injury to independent contractors and their employees. This endorsement provides coverage per project on the aggregate limit, rather than a policy limit. Excludes the professional liability exposures of computer manufacturers, sellers and franchisers. Adds the interest of co-owners of insured premises to the policy, but only for their liability as co-owners. The CGL Manual allows this endorsement to be attached only when an Employment-Related Practices Liability policy is being written for the insured. 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. Question: I have a concern regarding Per Project Aggregate Endorsements. See Commentary in the Policy Guide. Same as above, except applies only to permits relating to premises use, such as the erection of a sign. Provides coverage for property damage to underground resources and equipment, establishing a special Aggregate limit for the coverage. 2. Medical payments coverage for these individuals is excluded in the basic policy. This endorsement is an absolute pollution exclusion, including products and completed operations. 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. 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. Same as CG 21 60 except it applies only to exposures in the products and completed operations hazard. Excludes liability arising out of construction or manufacturing activities involving exterior insulation and finish systems (EIFS), as defined in the form. Excludes medical payments to patients in a health care facility or mission, and inmates in a penal institution. See CG 22 36 to exclude products and professional liability. See CG 21 49 above. $2,000,000 products/completed operations aggregate. Excludes all liability for the product designated on the endorsement. The land so leased must be designated on the endorsement. Per project aggregate endorsement; iii. Perhaps a project will last 15 months, so . 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. Same as CG 24 17 except the coverage does not apply to the sole negligence of the indemnified railroad. 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. All other states: $1,000,000 per occurrence and $2,000,000 aggregate. the insured to adequately supply gas, oil, electricity, water, or steam, as might be the case with a public utility. Adds an architect, engineer or surveyor "engaged by you" as an additional insured, excluding their professional liability. This endorsement was withdrawn from use in 2012 but reinstated in 2013. Removes all of paragraph (1.) It prevents a claim on one project from exhausting the policy's limits on other projects; it enables a See CG 33 95 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. Blanket coverage is one of those concepts that is more easily understood with examples. Only the "professional" exposure of construction management, and that of any architect, engineer or surveyor is excluded. Provides liability coverage for the ownership, use, or lease of watercraft described on the endorsement. The project owner is protected by the OCP policy primarily in two circumstances. Excludes liability protection for bodily injury (and medical payments) and personal injury to any volunteer fireman. Adds the interest of the owner of equipment to a policy covering the named insured who leased the equipment. 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. 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. 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 . Adds a designated person or organization as an additional insured for liability arising out of the named insured's premises or operations. Eliminates the subcontractor exception to exclusion "I" (Damage to Your Work). Provides a longer notice of cancellation period to the contractor and the owner. Primary and Non-contributory endorsement. The deductible, if any, may not exceed $5,000.00 per occurrence. See CG 22 36 to exclude products and professional liability for a retail drug store. Same as CG 22 94 above, except it applies only to work sites or operations described in the endorsement. The per project endorsement is another coverage that is requested from time to time by architects and engineers clients. Applies only to the professional services described in the endorsement. Waiver of Subrogation endorsement in favor of City of Carson. Provides coverage for liability arising out of fungi (including mold) or bacteria, including remediation, subject to sublimit. 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. Applies to all services covered on the policy. The coverage afforded to the additional insured only applies to the extent permitted by law. A . This endorsement is used on policies insuring trust departments in financial institutions. Heavy duty cord and thermostat for long life. 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. Provides products liability for a retail drug store, but excludes professional liability coverage arising out of consulting, referral or similar services, etc., with an exception for administering of vaccinations. Applies the general aggregate limit separately to each project of the insured. . This exposure should be insured on a Business Auto Policy. Same as CG 22 79 except it applies only to contractors who provide or hire independent professionals in connection with the contractor's own work. Wrap blanket around, secure with hook and loop strap. Not approved for general use in Texas. Blanket Additional Insured Endorsement: An insurance policy endorsement that automatically provides coverage to any party that the named insured is contractually required to provide coverage to. IL 00 21 - Nuclear Energy Liability Exclusion Endorsement (Broad Form). 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. Excludes all liability arising out of the products and completed operations hazards. 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