Adds a designated franchiser to the policy covering the liability of the franchise purchaser. 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. Deletes the medical payments exclusion for injury to insureds. CG 28 06 Limitation of Coverage To Insured Premises. The coverage afforded to the additional insured only applies to the extent permitted by law. 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 technical report Additional Insureds and Contractual Liability - 2004 Endorsements and Revisions in 2012 and 2013. Applies the general aggregate limit separately to each project of the insured. Allows for the arbitration of disputes between the company and the insured, with the arbitrator's decision being binding on the parties. A "Per Project" aggregate means the insurer will pay the same $2M for all claims that occur from any specific project. Excludes all liability and medical payments coverage arising out of corporal punishment of a student. Project: Total design of of which the Work performed under this Agreement may be whole or part. Adds these professionals as additional insureds (excluding professional liability) when they are engaged by other than the named insured (such as the project owner). An elevator contractor is required to provide evidence of these limits when the contractor obtains a license from the Texas Department of Licensing and Regulation. See CG 21 55 below. A "Per Project" aggregate means the insurer will pay the same $2M for all claims that occur from any specific project. 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. Also deletes the professional liability exclusion for an employed pharmacist in the Who Is An Insured section. The insured is also obligated to take necessary measures, at his own expense, to bring a well under control to minimize property damage. Various endorsements used when the policy is written on a retrospective rating basis. 2. Amends the definition of insured contract to preclude contractual liability coverage for the sole negligence of the indemnitee. Primary and Non-contributory endorsement. It provides for an extended reporting time for claims arising out of occurrences covered by the policy. Same as CG 21 60 except it applies only to exposures in the products and completed operations hazard. Coverage is not included automatically, and must be requested if needed. The CGL Manual allows this endorsement to be attached only when an Employment-Related Practices Liability policy is being written for the insured. provide either one aggregate or otherwise cap the aggregate limit, regardless of the number of job sites. Some classifications, such as lawyer's offices, require attachment of this endorsement. 5 commonly requested endorsements for contractors | State Auto See CG 32 09 for Texas-approved form. This exposure should be insured on a 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. Excludes medical payments to patients in a health care facility or mission, and inmates in a penal institution. The City intends to award the Group 1 Package of eight (8) locations to the highest ranked firm. 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. This endorsement was withdrawn from use in 2013. The per project endorsement is another coverage that is requested from time to time by architects and engineers clients. CG 26 46 Texas Abuse or Molestation Exclusion. Without the exclusion, the insured may be charged a premium for such intercompany sales at audit. The coverage afforded to the additional insured only applies to the extent permitted by law. Per project aggregate; Endorsements. CG 25 03 Designated Construction Projects(s) General Aggregate Limit. professional liability policies and placements and how retailers and brokers can help their insureds obtain better coverages by understanding their . Excludes all liability arising out of the products and completed operations hazards. Applies only to the professional services described in the endorsement. Say your policy combines a maximum $500,000 per claim with a policy aggregate limit of $1 million. Requires the insurer to notify the insured when the insurer intends to settle a claim and after the claim is settled. This endorsement makes the CGL of a real estate management firm excess over coverage provided by the property owner's CGL. Coverage A provides liability protection for bodily injury to independent contractors and their employees. 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. a. NY & IL: $2,000,000 per occurrence and $4,000,000 aggregate. Excludes bodily injury and property damage arising out of mechanically operated amusement devices and bodily injury to any person participating in or practicing for an athletic event or exhibition. Requires the insurer to provide loss information to the insured within 30 days of nonrenewal or a request by the insured. In addition, limits coverage to the extent that the insured's assumption of tort liability is permitted by law. 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. Provides for annual premium adjustment when the policy is issued for a term longer than one year. The project agg must be added to a CGL by endorsement. Not approved for general use in Texas, but could be used on a "large risk." 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 premises owner or manager as additional insured under tenant's policy. The Designated Construction Project General Aggregate Limit is the most we will pay for the 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 CHANGES THE POLICY. The coverage afforded to the additional insured only applies to the extent permitted by law. 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 See Commentary in the Policy Guide. CG 25 04 Designated Location(s) General Aggregate Limit. Must be attached when condominium associations are insured. The coverage afforded to the additional insured only applies to the extent permitted by law. ", 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. Amends the definition of "employee" to remove leased workers from the definition, so that the employee injury exclusion does not apply to cover injuries to leased workers. Provides a minimum of $5,000 property damage coverage for unique exposures of these risks. Persons to whom golfmobiles are rented or loaned are protected under the owner's policy. A . CG 33 92 Texas Additional Insured - Engineers, Architects or Surveyors Not Engaged by the Named Insured. 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. Per Project Aggregates, Blanket Wavier of Subrogation Umbrella/Excess with . Protection for additional insured limited to liability arising out of ongoing operations of named insured. Excludes liability coverage arising out of actual or threatened abuse or molestation of a person in the custody of any insured or employee. OCP coverage is designed to protect project owners for liability that occurs as a result of the actions of their contractors. This endorsement was withdrawn from use in 2012 but reinstated in 2013. Limited coverage can be provided with endorsements CG 24 05 and CG 24 11. Like endorsement CG 21 06, this endorsement excludes damages arising out of access to or disclosure of confidential or personal information. Allows for the arbitration of disputes between the company and the insured, with the arbitrator's decision being binding on the parties. Legal Liability and Borrowed Equipment You could file two claims worth half a million or 10 claims worth $100,000, but when the total payout hits $1 million, your insurer starts saying no. Excludes specific operations in progress, all ongoing operations at a specified location, or all ongoing operations performed by the named insured, as designated in the endorsement. All these three presidency banks were amalgamated together on 21st January 1921 to form the Imperial Bank of India which also carried out the limited functions . Per policy aggregate is an absolute limit. Blanket Pers Prop $ Blanket BLDG & PP $ $ $ Boiler and Machine: . Excludes premises, operations and products liability Coverage A and B claims arising out of the premises designated in the endorsement. Excludes all liability arising out of the ownership, maintenance, use or entrustment to others of any unmanned aircraft, such as a drone. Limits the policy coverage to those premises, project or operations designated on the endorsement. Provides coverage for incidental application of "over the counter" herbicides or pesticides on lawns under the insured's regular care. . 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 18 except used on the Products/Completed Operations Coverage Form, Same as CG 24 20 except used on the Products/Completed Operations Coverage Form.