While Coverage A has always excluded bodily injury to employees, this optional endorsement clarifies that no coverage is provided for bodily injury arising out of employment practices, whether the claimant is an employee or not. Coverage is limited to the designated site or location of work. Broad form blanket contractual liability covering all indemnity 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. Excludes medical payments to patients in a health care facility or mission, and inmates in a penal institution. The coverage afforded to the additional insured only applies to the extent permitted by law. This endorsement was withdrawn from use in 2013. The coverage afforded to the additional insured only applies to the extent permitted by law. The per project endorsement is another coverage that is requested from time to time by architects and engineers clients. CG 25 14 Designated Location(s) Aggregate Limit. See endorsement CG 21 31 for an alternative. Same as endorsement CG 24 50 except the exclusion applies only to Coverage A (Bodily Injury and Property Damage Liability). There is no exception for liability assumed under an insured contract. 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. This coverage may include potentially risky exclusions and reflect the following estimated terms and limits: $1,000,000 per occurrence. Under our policy, the aggregate is three times the per event limit. 3. (See CG 21 44). as a construction manager. Excludes liability arising out of those services named on the endorsement, such as cosmetic massage, optometrical, and others. Extends coverage to include BI or PD arising out of the operation of a customer's auto on the insured's premises for purposes other than parking, which is already covered by exception to the auto liability exclusion. 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. It is usually provided by the contractor performing the operations. Provides pollution liability coverage on a claims-made basis. . This is usually used by contractors and companies that do project related work since they work on many different projects. Adds an architect, engineer or surveyor "engaged by you" as an additional insured, excluding their professional liability. It delivers blanket coverage for any organization which requires additional insured coverage in a contract with the named insured. See CG 33 95 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. 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 . 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 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). Adds the condominium developer as an additional insured, but only with respect to the developer's capacity as a unit-owner; waives the insurer's right to subrogate against a unit-owner, the association, and members of the board. Excludes damage to property being laundered or cleaned in a serf-service or coin-operated laundry or dry cleaner. 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. Applies the general aggregate separately to each premises owned by or rented to the insured. The land so leased must be designated on the endorsement. 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. The Designated Construction Project General Aggregate Limit is the most we will pay for the CG 28 33 Pollution Liability - Voluntary Cleanup Costs Reimbursement. Excludes liability coverage arising out of actual or threatened abuse or molestation of a person in the custody of any insured or employee. Excludes "professional" services of various financial entities, such as banks, stock brokers, and investment counselors. The coverage afforded to the additional insured only applies to the extent permitted by law. Adds wording to the Other Insurance condition to state that the insurance is primary to and will not seek contribution from any other insurance available to an additional insured, when the named insured has agreed in writing that the insurance would be primary and noncontributory. 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 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). This endorsement modifies the pollution exclusion so that coverage is afforded for off-premises pollution accidents involving fuels or lubricants brought to a job site by a contractor. Must be attached when condominium associations are insured. Broad form endorsement offered at no additional cost; helps protect . Endorsement CG 24 50 contains a similar exclusion but provides coverage for specified unmanned aircraft engaged in operations or projects shown in the endorsement and subject to a special limit shown in the endorsement. Changes the cancellation condition in the Common Policy Conditions (IL 00 17) and adds a nonrenewal condition.Required by Texas law. 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. Provides for annual premium adjustment when the policy is issued for a term longer than one year. Endorsement CG 27 15 is used to provide an extended reporting period. Must be attached to policies insuring churches. Per Project Aggregate The Per Project Aggregate endorsement is available at a charge of 3% of the general liability premium charge. The company agrees that they will not use charitable immunity as a defense in claims against the insured. Excludes bodily injury to any person practicing for or participating in any sports or athletic contest sponsored by the insured. Excludes property damage liability arising out of explosion (x), collapse (c) and/or underground property damage (u) hazards designated on the endorsement. CG 20 39 12 19 - Also known as a "Blanket Contractual Additional Insured 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 is not included automatically, and must be requested if needed. . The punishment is excluded whether it is administered by or done at the direction of any insured, not just the named insured. The fact that corporal punishment may be administered in a proper and legal manner has no bearing on the exclusion. GEN'L AGGREGATE LIMIT APPLIES PER: PRODUCTS - COMP/OP AGG $ POLICY: X: PROJECT: LOCATION $ . 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 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. Eliminates volunteer workers from the definition of insured. Details. (Note: ISO withdrew this endorsement with the 2013 edition, as these changes were incorporated into the basic coverage form. CG 25 04 Designated Location(s) General Aggregate Limit. 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. Modifies the policy to provide coverage needed for airports. . Limited coverage can be provided with endorsements CG 24 05 and CG 24 11. Provides malpractice insurance for optometrists and hearing aid establishments. 123 Main St - Contents: $500,000. Provides additional insured status to a designated person or organization that has granted the named insured a license. Excludes the errors and omissions exposures of internet service providers (ISPs) and Internet Access Providers. Blanket Pers Prop $ Blanket BLDG & PP $ $ $ Boiler and Machine: . GL Endorsements: 1. Makes the vendor's policy excess over protection provided by the manufacturer's or distributor's policy under a vendors endorsement. Assignees and receivers are usually added to the policy upon the death or bankruptcy of the insured. Coverage for an occurrence which results in 3rd party's BI and/or PD. This endorsement is used when no specific endorsement applies to the activities of the insured. Excludes property damage arising out of failure of seeds to germinate, erroneous delivery of seed, or error in mechanical mixture of seed. 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. Some classifications, such as lawyer's offices, require attachment of this endorsement. Waiver of subrogation on blanket basis . Contains the same provisions as CG 22 71 except medical payments to students is covered. It provides for an extended reporting time for claims arising out of occurrences covered by the 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. Sex offenders in my area watchdog by zip. Blanket endorsementsdo not require that an additional insured be specifically named. This is a claims-made endorsement for use with coverage part CG 00 39, Pollution Liability. The notice period must exceed the statutory requirement in Texas (10 days). 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. 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. 456 Market St - Building: $2,000,000. 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. 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". 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. Protection is afforded only for liability arising out of the named insured's maintenance, operation or use of the equipment. Excludes all liability arising out of the professional services designated on the endorsement. Sample 1 CG 24 51 Limited Coverage for Designated Unmanned Aircraft (Coverage A Only). - Please confirm on the certificate or by uploading endorsement(s) that Waiver of Subrogation applies to this policy. Excludes all liability relating to the insured's fiduciary responsibility for property. Excludes the professional liability exposure of medical or diagnostic testing facilities. Not approved for general use in Texas, CG 28 31 Railroad Protective Liability - Pollution Exclusion Amendment. 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. Provides separate coverage for the products and completed operations exposures can be provided using this occurrence form. Affords claims-made liability protection for the liquor legal liability of a risk engaged in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. Removes all of paragraph (1.) 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. Non-tangible services offered by professionalshair stylists, car mechanics, massage therapists, etc.are businesses in need of insurance. 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 . PLEASE READ IT CAREFULLY. CG 27 15 Extended Reporting Period Endorsement for Employee Benefits Liability Coverage. Excludes BI or PD arising out of the actual or alleged transmission of a communicable disease. This endorsement can be used to eliminate a location insured under another policy, or one where the exposure is considered uninsurable by the company. Excludes liability arising out of streets and bridges for their: (1) existence,(2) maintenance (3) use of mobile equipment. What is the per location endorsement? OCP coverage is designed to protect project owners for liability that occurs as a result of the actions of their contractors. . Re dating your ex. 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 deductible may be selected to apply on a "per claim" basis or "per occurrence" basis. ", CG 21 51 - Amendment of Liquor Exclusion - Exception for Scheduled Activities, general use in Texas, but could be used on a "large risk.". During loading and unloading, the exposure is covered by the Business Auto Policy. The endorsement excludes the expense of bringing an out of control well under control. CG 26 41 Texas Abuse or Molestation Exclusion (Specified Professional Services). Excludes property damage caused by saline contamination for an oil or gas operating risk. CG 25 03 Designated Construction Projects(s) General Aggregate Limit. Provides coverage for property damage to underground resources and equipment, establishing a special Aggregate limit for the coverage. Limits coverage to the insured's liability arising out of trust properties in which the insured has a fiduciary or representative interest. Removes the contractual liability exclusion from personal injury coverage, for designated contracts. Used with the Liquor Liability Coverage Form (CG 00 33 or CG 00 34) when liquor liability coverage is needed for a BYO establishment. Required on all policies. Creates an exception to the pollution exclusion to cover the escape of a pollutant specifically listed in the endorsement schedule. Same as endorsement CG 24 50 except the exclusion applies only to Coverage B (Personal and Advertising Injury 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 . IL 00 21 - Nuclear Energy Liability Exclusion Endorsement (Broad Form). Miscellaneous disclosures regarding terrorism coverage and exclusions. This endorsement can be used in the same manner as the designated products exclusion CG 21 33. See CG 20 33 to provide automatic additional insured status. See CG 21 67 for an absolute exclusion of coverage for fungi or bacteria. Provides coverage for liability arising out of fungi (including mold) or bacteria, including remediation, subject to sublimit. Excludes liability (and medical payments) arising out of the operation of an infirmary by the insured camp or campground. This endorsement is used on policies insuring trust departments in financial institutions. Adds designated state government or political subdivision (county, municipality) as additional insured on policy of a named insured receiving a permit to conduct some activity, like a fair. See endorsement CG 22 30 for a specific exclusion of corporal punishment. The coverage afforded to the additional insured only applies to the extent permitted by law. 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. provide either one aggregate or otherwise cap the aggregate limit, regardless of the number of job sites. Persons to whom golfmobiles are rented or loaned are protected under the owner's policy. 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. Various endorsements for the miscellaneous coverage forms. Eliminates liability protection for employees of the insured, other than the executive officers of a corporation, and for volunteer workers. Blanket Building $ Flood : Blanket Pers Prop $ Blanket BLDG & PP $ $ $ Boiler and Machine: . Applies to ongoing operations only. 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. CG 25 02 Amendment of Limits of Insurance. Eliminates the $50,000 of legal liability coverage for negligent damage to rented premises. After unloading, the exposure is covered by the CGL. It provides coverage similar to the CGL occurrence coverage part. 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 25 04 Designated Location(s) General Aggregate Limit. 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 22 79 except it applies only to contractors who provide or hire independent professionals in connection with the contractor's own work. A claim paid for damages arising out of one project would not affect the aggregate at other projects of the insured. See technical report Additional Insureds and Contractual Liability - 2004 Endorsements and Revisions in 2012 and 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. The project requirement is often set as "per project," but "per policy" isn't . Provides pollution liability coverage on a claims-made basis, including the cost of site clean up. Adds the designated interest as an additional insured to a policy covering the named insured's property. Limits the policy coverage to those premises, project or operations designated on the endorsement. Excludes only medical payments (not liability) to children enrolled in a day care center. Excludes liability arising from acts, errors or omissions in connection with the listed services. 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. (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. 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. Per policy aggregate is an absolute limit. 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. - Please confirm on the certificate or by uploading endorsement(s) that Waiver of Subrogation applies to this policy. See CG 33 96 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. Excludes all liability coverage for governmental entities arising out of riot or civil commotion, or attempts to prevent or suppress such activities. Per project aggregate endorsement; iii. CG 24 50 Limited Coverage for Designated Unmanned Aircraft. Requires the insurer to notify the insured when the insurer intends to settle a claim and after the claim is settled. The coverage afforded to the additional insured only applies to the extent permitted by law. Allows for the arbitration of disputes between the company and the insured, with the arbitrator's decision being binding on the parties. The limited form does not cover the cost of site cleanup. 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. 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. Provides coverage for the pollution exposure accompanying the removal, replacement, repair, encapsulation or enclosure of hazardous materials. (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.) Aggregate Limit applies to each designated "location", and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. Not approved for general use in Texas, but may be used on large risks or on surplus lines policies. Used with Owners and Contractors Protective Coverage Form. See CG 21 55 below. Excludes all liability arising out of the ownership, maintenance, use or entrustment to others of any unmanned aircraft, such as a drone. See endorsement CG 22 67.. Excludes property damage to underground resources (oil, gas, water) and equipment (drilling equipment) in the insured's drilling operation. 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. Excludes bodily injury and property damage arising out of rolling stock (rail cars) while track is being constructed or repaired. Provides coverage on a claims-made basis for loss of electronic data caused by the insured. IL 09 85 through IL 09 99 - Terrorism Endorsements. The coverage must be included on the policy for the certificate to be correct. 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. What is a Each Occurrence Limit? Adds the interest of the owner of equipment to a policy covering the named insured who leased the equipment. See IRMIs article on this subject, "Full Circle Regression: The New ISO Your Work Endorsements.". 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. 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. 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. This endorsement is for use with the claims-made liquor liability coverage part, CG 00 34. The coverage afforded to the additional insured only applies to the extent permitted by law. 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. Required by Texas law. 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 . This is an absolute exclusion of all exposures arising out of the Year 2000 problem. Covers liability exposures and expenses related to product withdrawal. On This Page Additional Information The Designated Location General Aggregate Limit is the most we will pay for the sum of all damages under Paragraph . Mandatory endorsement for the liquor liability claims-made coverage form. Excludes liability arising out of the products and professional services of the named risks. 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. 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. Provides separate coverage for the products and completed operations exposures can be provided using this claims-made form. This endorsement was withdrawn from use in 2013. IL 09 11 through IL 09 27 - Retrospective Premium Endorsements. Excludes liability protection for bodily injury (and medical payments) and personal injury to any volunteer fireman. There are many endorsements addressing specific, common professional activities, such as medical professional. Eliminates the subcontractor exception to exclusion "I" (Damage to Your Work). CG 24 27 - Limited Contractual Liability - Railroads. This is a professional liability exclusion for the specific risks named. 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. 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. Height limitations. 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. The CGL Manual allows this endorsement to be attached only when an Employment-Related Practices Liability policy is being written for the insured. Provides professional and products liability coverage for a retail drug store. 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Railroad Protective liability - pollution exclusion to cover the cost of site cleanup Limit the! Contractual liability - pollution exclusion Amendment ( Specified professional services of the products and completed exposures. To germinate, erroneous delivery of seed, or attempts to prevent suppress! They will not use charitable immunity as a result of the professional liability endorsement offered at no cost. Listed services exposures of internet service providers ( ISPs ) and personal injury coverage, for designated Unmanned Aircraft coverage... Also known as a & quot ; project Aggregate endorsement is available at a charge of 3 % of insured... For any organization which requires additional insured, excluding their professional liability exposure of medical or diagnostic facilities... Withdrawn in 2013 are protected under the owner 's policy under a vendors endorsement exclusion CG 21.... The products and completed operations exposures can be provided using this claims-made.... 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