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. See CG 21 67 for an absolute exclusion of coverage for fungi or bacteria. 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. 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. See CG 22 97 to cover products and professional liability. 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 . Excludes from a contractor's policy all work in connection with a wrap-up project where the contractor's interest is covered elsewhere. Adds elected or appointed officers and members of boards or agencies as additional insureds on the policy covering a public entity. Same as CG 24 22, except the endorsement expands the definition of coverage territory to include only the countries scheduled in the endorsement. Provides separate coverage for the products and completed operations exposures can be provided using this claims-made form. Broad form endorsement offered at no additional cost; helps protect . A "Per Project" aggregate means the insurer will pay the same $2M for all claims that occur from any specific project. Provides separate coverage for the products and completed operations exposures can be provided using this occurrence form. 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 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 See CG 33 96 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. Not approved for general use in Texas. It requires periodic reporting of trust properties. This endorsement makes the CGL of a real estate management firm excess over coverage provided by the property owner's CGL. Allows for the arbitration of disputes between the company and the insured, with the arbitrator's decision being binding on the parties. 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. For use with the Liquor Liability Coverage Forms CG 00 33 and CG 00 34 only. Provides additional insured status to a designated person or organization on a contractor's policy for completed operations exposures. It also excludes damage to property managed by the named insured. 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. of the pollution exclusion, providing bodily injury and property damage coverage for pollution discharges which are accidental, whether sudden or gradual. 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. 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. This endorsement was withdrawn from use in 2013. This endorsement was withdrawn from use in 2012, but reinstated in 2013. See CG 33 95 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. 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. $1,000,000 per occurrence; $2,000,000 general aggregate; $2,000,000 products aggregate; Property - no restriction on value. 456 Market St - Contents: $500,000. Not approved for general use in Texas, but could be used on a "large risk. Provides pollution liability coverage on a claims-made basis, including the cost of site clean up. Same as CG 24 22, except the endorsement expands the definition of coverage territory to anywhere in the world except countries scheduled in the endorsement. IL 09 85 through IL 09 99 - Terrorism Endorsements. This exposure should be insured on a Business Auto Policy. We know that general aggregates can be confusing . Excludes these hazards at all locations and operations, except those specified in the endorsement. - Please confirm on the certificate or by uploading endorsement(s) that Waiver of Subrogation applies to this 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. This endorsement was withdrawn from use in 2013. Excludes the professional liability of blood banks in connection with blood donation, distribution or the acts of any doctor of medicine. Adds unit-owners as additional insureds for liability arising out of common areas. CG 26 46 Texas Abuse or Molestation Exclusion. The project agg must be added to a CGL by endorsement. Adds members, trustees and clergymen as additional insureds for liability arising out of church activities. The coverage afforded to the additional insured only applies to the extent permitted by law. Various endorsements for the miscellaneous coverage forms. $2,000,000 products/completed operations aggregate. This endorsement is used when no specific endorsement applies to the activities of the insured. Bars coverage for products liability claims between named insureds on the policy. Cover the liability of a parent corporation which arises from the subsidiary's operations. Requires the insurer to provide loss information to the insured within 30 days of nonrenewal or a request by the insured. Excludes claims arising out of the Year 2000 computer problems, with exceptions for operations or locations specified in the endorsement. Only bodily injury coverage is afforded by principal's protective insurance. GL Endorsements: 1. A.1. Not approved for general use in Texas, but could be used on a "large risk." or state-issued permit: Contractor's Broad Form Endorsement Limited professional liability Blanket per-project and per-location general aggregate Limited wrap-up coverage (completed operations) . Not approved for general use in Texas, but could be used on a "large risk." A . 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. Per Project Aggregates, Blanket Wavier of Subrogation Umbrella/Excess with . There is no exception for liability assumed under an insured contract. Blanket Pers Prop $ Blanket BLDG & PP $ $ $ Boiler and Machine: . A "per claim" deductible would be applied to each claim arising out of one occurrence. 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. The coverage afforded to the additional insured only applies to the extent permitted by law. Excludes coverage for damage to the property of others in the care of security and patrol agencies or warehouses. See technical report Drones. Affords occurrence liability protection for the liquor legal liability of a risk engaged in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. Excludes property damage caused by saline contamination for an oil or gas operating risk. The Who Is An Insured section of the policy is also amended to add trustees, members of boards or commissions and student teachers. Business Li- 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. (Note: ISO withdrew this endorsement with the 2013 edition, as these changes were incorporated into the basic coverage form. Excludes damage to property being laundered or cleaned in a serf-service or coin-operated laundry or dry cleaner. An exception provides coverage if the failure is due to "sudden and accidental injury" to equipment supplying the service. Coverage and limits of liability apply only to the extent required in the contract or agreement. 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. Legal Liability and Borrowed Equipment Waiver of Subrogation endorsement in favor of City of Carson. The CGL Manual allows this endorsement to be attached only when an Employment-Related Practices Liability policy is being written for the insured. 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. 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 . Excludes the professional exposures of testing and consulting firms. Provides malpractice insurance for optometrists and hearing aid establishments. Nymphomaniac asian asiaticas ninfomaniacas. Excludes the professional liability exposure of medical or diagnostic testing facilities. 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 25 03 Designated Construction Projects(s) General Aggregate Limit. IL 00 21 - Nuclear Energy Liability Exclusion Endorsement (Broad Form). Same as CG 04 28, except not limited to cause by named perils. Eliminates the $50,000 of legal liability coverage for negligent damage to rented premises. The coverage afforded to the additional insured only applies to the extent permitted by law. See CG 21 55 below. CG 24 25 provides coverage for fungi or mold with a sublimit. Blanket additional insured (including primary wording) Blanket waiver of subrogation; Contractor Raters Intro. Protects a railroad company from liability arising out of operations performed on or near railway property. For example if the company does 10 projects per year, the policy limit per project would be $2,000,000 and the aggregate coverage would be $20,000,000 across all of the projects put together. Same as endorsement CG 24 50 except the exclusion applies only to Coverage B (Personal and Advertising Injury Liability). (Applicable only to the Owners and Contractors Protective Liability Coverage Part) Adds these professionals as additional insureds (excluding professional liability) when they are engaged by the named insured. For use with OCP coverage part, CG 00 09, this amends the bodily injury definition to include the personal injuries of false arrest, detention or imprisonment. 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 designated concessionaires as additional insureds for liability when trading under the insured's name. 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. Although coverage is retained for incidental contracts, such as lease of premises, the endorsement specifies that only written contracts are covered, not oral contracts. This endorsement was withdrawn from use in 2013. . Makes the vendor's policy excess over protection provided by the manufacturer's or distributor's policy under a vendors endorsement. Action over exclusion, hammer clause. Coverage shall provide and encompass at least the following: i. X, C and U hazards, where applicable; ii. 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. Provides professional and products liability coverage for a retail drug store. 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. It provides coverage similar to the CGL claims-made coverage part. Used with Owners and Contractors Protective Coverage Form. Excludes all liability arising out of the products and completed operations hazards. The CGL policy requires a per-project aggregate endorsement that should be attached to the COI upon submission to verify accurate coverage. After unloading, the exposure is covered by the CGL. Same as above, except applies only to permits relating to premises use, such as the erection of a sign. Aggregate Limit applies to each designated "location", and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. Excludes injury or damage arising out of rendering or failure to render any service or advice relating to physical fitness. as a construction manager. The fact that corporal punishment may be administered in a proper and legal manner has no bearing on the exclusion. 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. 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. Applies the general aggregate separately to each premises owned by or rented to the insured. Provides coverage for property damage to underground resources and equipment, establishing a special Aggregate limit for the coverage. Tips on how to complete the Cg2026 endorsement fillable form on the web: To begin the form, utilize the Fill camp; Sign Online button or tick the preview image of the blank. 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. Cleanup costs are still excluded. Temperature over 300 F (149 C) See technical report Additional Insureds and Contractual Liability - 2004 Endorsements and Revisions in 2012 and 2013. See technical report Additional Insureds and Contractual Liability - 2004 Endorsements and Revisions in 2012 and 2013. Contains the same provisions as CG 22 71 except medical payments to students is covered. This coverage may include potentially risky exclusions and reflect the following estimated terms and limits: $1,000,000 per occurrence. Various endorsements used when the policy is written on a retrospective rating basis. As for the "per project" basis, the general aggregate limit will apply to each project that the policyholder works on. CG 33 94 Texas Additional Insured Owners, Lessees Or Contractors Completed Operations. What is a Each Occurrence Limit? Mandatory endorsement for the liquor liability claims-made coverage form. 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. Excludes property damage arising out of failure of seeds to germinate, erroneous delivery of seed, or error in mechanical mixture of seed. This endorsement was withdrawn from use in 2012 but reinstated in 2013. 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 provides coverage per project on the aggregate limit, rather than a policy limit. Provides coverage for the pollution exposure accompanying the removal, replacement, repair, encapsulation or enclosure of hazardous materials. Excludes all liability for the product designated on the endorsement. An exception provides coverage for liability arising out of cars used at the site of construction or repair. Adds a designated person or organization as an additional insured for liability arising out of the named insured's premises or operations. Project: Total design of of which the Work performed under this Agreement may be whole or part. 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. Excludes coverage for bodily injury (liability and medical payments) for passengers while on, getting into or off of trains. Adds an architect, engineer or surveyor "engaged by you" as an additional insured, excluding their professional liability. Used with experience - rated risks to show experience rating date. Built in stiffeners help keep the blanket tight to the PVC surface. Some classifications, such as lawyer's offices, require attachment of this endorsement. Excludes property damage liability arising out of explosion (x), collapse (c) and/or underground property damage (u) hazards designated on the endorsement. Inland Marine - no restriction on value. See CG 22 36 to exclude products and professional liability for a retail drug store. 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 aggregate market value of the voting and non-voting common equity held by . Each is $250, so the insured asked about a blanket endorsement. Coverage for additional insured limited to liability arising out of ongoing operations of named insured. Applies the general aggregate limit separately to each project of the insured. Excludes bodily injury and property damage arising out of rolling stock (rail cars) while track is being constructed or repaired. On This Page Additional Information Excludes all liability and medical payments coverage arising out of corporal punishment of a student. 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. 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 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 Protection is afforded only for liability arising out of the named insured's maintenance, operation or use of the equipment. Provides separate liability coverage for a project owner or general contractor hiring subcontractors. CG2010 Scheduled Additional Insured $25 charge per endorsement and Blanket Additional Insured $100 . (See CG 21 00). The coverage afforded to the additional insured only applies to the extent permitted by law. Minimum limits $5MM per occurrence/$10MM aggregate . Provides pollution liability coverage on a claims-made basis. See CG 33 90 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. See endorsement CG 22 30 for a specific exclusion of corporal punishment. Amends Exclusion "p" in Coverage A (Bodily Injury and Property Damage) and adds an exclusion to Coverage B (Personal and Advertising Injury) to preclude coverage for liability arising out of access to or disclosure of confidential or personal information, with an exception for bodily injury damages. 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. Excludes "errors and omissions" type liability exposure for insurance companies, agents/brokers, and service organizations. CG 33 97 Texas Additional Insured - Lessor of Leased Equipment - Automatic Status When Required in Lease Agreement with You. Designated Project Aggregate endorsements are sometimes required for contracts. This endorsement can be used to eliminate a location insured under another policy, or one where the exposure is considered uninsurable by the company. Must be attached when condominium associations are insured. Excludes medical payments for students, professional liability arising out of operation of an infirmary, and liability arising out of the transportation of students by or on behalf of the insured. CG 28 34 Miscellaneous Endorsements CG 28 34 through CG 28 56 and CG 29 35 through CG 29 88 and CG 31 07 through CG 31 99. Excludes liability arising out of those services named on the endorsement, such as cosmetic massage, optometrical, and others. Re dating your ex. Applies only to the professional services described in the endorsement. Required by Texas law. Adds a premises owner or manager as additional insured under tenant's policy. Excludes all liability arising out of and occurring during the course of the movement of any building or structure, either by auto or "mobile equipment". Texas uses a special endorsement for these risks. Excludes coverage outside the basic policy territory (U.S. and possessions, Puerto Rico, Canada) for travel agencies. CG 25 14 Designated Location(s) Aggregate Limit. Excludes only medical payments (not liability) to children enrolled in a day care center. See CG 33 97 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. Primary occurrence limit cannot be less than $1,000,000.00. CG 33 93 Texas Additional Insured - Owners, Lessees or Contractors - Automatic Status When Required in Construction Agreement with You. Adds an exclusion to Coverage B (Personal and Advertising Injury) to preclude coverage for liability arising out of access to or disclosure of confidential or personal information. Adds a separate insuring agreement to include coverage for property damage arising out of failure of seeds to germinate, erroneous delivery of seed, or error in mechanical mixture of seed. This is an absolute exclusion of all exposures arising out of the Year 2000 problem. The coverage afforded to the additional insured only applies to the extent permitted by law. 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. In this article, we examine the complexities of misc. CG 25 02 Amendment of Limits of Insurance. 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Appointed officers and members of boards or commissions and student teachers or organization as an additional only! Lessor blanket per project aggregate endorsement Leased equipment - Automatic Status when required in the endorsement replacement, repair, encapsulation or of... Be provided using this occurrence form sometimes required for contracts written on a claims-made basis including... Negligent damage to property being laundered or cleaned in a proper and legal manner has no on!