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. Removed all of Coverage B - Personal and Advertising Injury Liability. After unloading, the exposure is covered by the CGL. This coverage may include potentially risky exclusions and reflect the following estimated terms and limits: $1,000,000 per occurrence. Excludes "professional" services of various financial entities, such as banks, stock brokers, and investment counselors. 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. Adds users of such animals as additional insureds. 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. 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. Broad form endorsement offered at no additional cost; helps protect . CG 26 46 Texas Abuse or Molestation Exclusion. This endorsement was withdrawn from use in 2013. Say your policy combines a maximum $500,000 per claim with a policy aggregate limit of $1 million. The operations to which the endorsement applies must be shown on the endorsement or the schedule of classifications. CG 33 91 Texas Additional Insured - Engineers, Architects or Surveyors. 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 . - Confirm on certificate that General Aggregate is Per Project. Coverage for additional insured applies only to current operations of insured (not past) and not to any work performed for the additional insured. Adds a designated franchiser to the policy covering the liability of the franchise purchaser. Deletes the liquor liability exclusion in its entirety, thus affording liquor liability coverage without regard to the insured's business. See endorsement CG 22 67.. 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 care, custody, control exclusion so that property damage is covered at premises where operations are performed, subject to limit on endorsement. A few items to keep in mind with a 'project endorsement'. Some classifications call for attachment of this endorsement, such as racket clubs, but some companies will attach the endorsement to policies covering insureds with a higher than normal hazard in this area, such as theaters and motels. Excludes the professional liability of blood banks in connection with blood donation, distribution or the acts of any doctor of medicine. 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. Required by Texas law. Includes, excludes or limits coverage related to acts of terrorism, in accordance with the Terrorism Risk Insurance Act (TRIA), as amended by the Terrorism Risk Insurance program Reauthorization Act of 2015. It also excludes damage to property managed by the named insured. 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. For example, if you perform work at one location, and are sued for bodily injury, your per project aggregate will restore your limit of insurance for your next project. This endorsement has no effect on bodily injury liability coverage. As for the "per project" basis, the general aggregate limit will apply to each project that the policyholder works on. Not approved for general use in Texas. Excludes bodily injury and property damage arising out of rolling stock (rail cars) while track is being constructed or repaired. Eliminates the $50,000 of legal liability coverage for negligent damage to rented premises. This will provide for the full amount of your per occuerence limit to that project. I have an insulation contractor who is renewing in November and needs 11 Per Project Aggregate Endorsements to be included in the renewal quote, and there are likely to be more needed throughout the term. 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. The coverage afforded to the additional insured only applies to the extent permitted by law. It provides coverage similar to the CGL claims-made coverage part. $2,000,000 general aggregate. 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. Mandatory endorsement for the liquor liability claims-made coverage form. Excludes from a contractor's policy all work in connection with a wrap-up project where the contractor's interest is covered elsewhere. Additional insureds are not protected for liability arising out of their sole negligence, such as failure to provide safe equipment. 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. CG 25 04 Designated Location(s) General Aggregate Limit. 2. Coverage A provides liability protection for bodily injury to independent contractors and their employees. Same as CG 04 28, except not limited to cause by named perils. See also endorsements CG 21 07 and CG 21 08 below. CG 33 94 Texas Additional Insured Owners, Lessees Or Contractors Completed Operations. 2. Modifies the policy to provide coverage needed for airports. 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. 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. Aggregate Limit applies to each designated "location", and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. Provides pollution liability coverage on a claims-made basis, including the cost of site clean up. This endorsement was withdrawn from use in 2013. Creates an exception to the pollution exclusion to cover the escape of a pollutant specifically listed in the endorsement schedule. Limits liability coverage for the insured real estate operation to the office premises and real properties which the firm does not own, control or manage. Used with experience - rated risks to show experience rating date. 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. 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. The City may, at its sole discretion, award Group Package 2 of two (2) locations to the same firm or the City may elect to issue a new solicitation. Project Aggregates for Both Primary and Excess Coverage Insurance policies have something that is referred to as aggregates. Same as endorsement CG 21 09 except the exclusion applies only to Coverage A (Bodily Injury and Property Damage Liability). 3. Allows for the arbitration of disputes between the company and the insured, without the arbitrator's decision being binding on any party. Provides coverage for property damage to underground resources and equipment, establishing a special Aggregate limit for the coverage. These endorsements are for use with the ISO claims-Made CGL. 2. 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. See technical report Additional Insureds and Contractual Liability - 2004 Endorsements and Revisions in 2012 and 2013. Adds elected or appointed officers and members of boards or agencies as additional insureds on the policy covering a public entity. Pack of 1 Unit. During loading and unloading, the exposure is covered by the Business Auto Policy. 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. 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. . Provides pollution liability coverage on a claims-made basis. It does this by adding a policy endorsement (an amendment to the existing policy). 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. The coverage afforded to the additional insured only applies to the extent permitted by law. 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. Adds the interest of the owner of land to the tenant's policy. Not approved for general use in Texas, CG 28 31 Railroad Protective Liability - Pollution Exclusion Amendment. Must be attached to policies insuring townhouse associations. Not approved for general use in Texas, but may be used on large risks or on surplus lines policies. Legal Liability and Borrowed Equipment The company agrees that they will not use charitable immunity as a defense in claims against the insured. Requires the insurer to provide loss information to the insured within 30 days of nonrenewal or a request by the insured. See CG 33 92 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. 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. Waiver of Subrogation endorsement in favor of City of Carson. Inland Marine - no restriction on value. See CG 20 15. Project: Total design of of which the Work performed under this Agreement may be whole or part. On This Page Additional Information The coverage afforded to the additional insured only applies to the extent permitted by law. 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. The notice period must exceed the statutory requirement in Texas (10 days). Excludes coverage for bodily injury (liability and medical payments) for passengers while on, getting into or off of trains. Classement ville par superficie. Redefines the products hazard so that the definition of products applies to products consumed on the premises, once the product is relinquished to the customer. This endorsement makes the CGL of a real estate management firm excess over coverage provided by the property owner's CGL. Endorsement CG 27 15 is used to provide an extended reporting period. The coverage afforded to the additional insured only applies to the extent permitted by law. This endorsement was withdrawn from use in 2012, but reinstated in 2013. . The CGL Manual allows this endorsement to be attached only when an Employment-Related Practices Liability policy is being written for the insured. Waiver of subrogation on blanket basis . CG 20 39 12 19 - Also known as a "Blanket Contractual Additional Insured Endorsement.". 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. 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. DESIGNATED CONSTRUCTION PROJECT(S) GENERAL AGGREGATE LIMIT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Construction Projects: THIS ENDORSEMENT APPLIES TO ALL CONSTRUCTION PROJECTS OF THE NAMED INSURED. 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. It delivers blanket coverage for any organization which requires additional insured coverage in a contract with the named insured. Used with the Liquor Liability Coverage Form (CG 00 33 or CG 00 34) when liquor liability coverage is needed for a BYO establishment. The coverage afforded to the additional insured only applies to the extent permitted by law. Amends the definition of insured contract to preclude contractual liability coverage for the sole negligence of the indemnitee. Excludes all liability arising out of fungi (including mold) or bacteria, including the costs of remediation. We know that general aggregates can be confusing . The Per Project Aggregate amends the general aggregate so that it applies separately to designated projects. 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". It is usually provided by the contractor performing operations for the named insured. The fact that corporal punishment may be administered in a proper and legal manner has no bearing on the exclusion. Applies to all services covered on the policy. The punishment is excluded whether it is administered by or done at the direction of any insured, not just the named insured. In addition, limits coverage to the extent that the insured's assumption of tort liability is permitted by law. This endorsement was withdrawn from use in 2012 but reinstated in 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. CG 25 03 Designated Construction Projects(s) General Aggregate Limit. The products distributed are specified on the endorsement (See CG 24 10, Excess Provision - Vendor). This endorsement extends coverage under Pollution Liability coverage form, CG 00 39, to include expenses associated with voluntary cleanup of a pollution discharge, if done to prevent damage. Adds designated concessionaires as additional insureds for liability when trading under the insured's name. 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. (See CG 21 44). Same as above, except applies only to permits relating to premises use, such as the erection of a sign. Excludes these hazards at all locations and operations, except those specified in the endorsement. 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. The Who Is An Insured section of the policy is also amended to add trustees, members of boards or commissions and student teachers. Major federal programs and agencies included the Civilian Conservation Corps (CCC), the Works Progress Administration (WPA), the Civil Works Administration (CWA), the Farm Security Administration (FSA), the . CG2010 Scheduled Additional Insured $25 charge per endorsement and Blanket Additional Insured $100 . This endorsement is not approved in Texas. Provides reimbursement for expenses incurred because of a covered product withdrawal, subject to an aggregate limit and deductible shown in the endorsement. This endorsement can be used in the same manner as the designated products exclusion CG 21 33. See CG 33 95 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. Applies the general aggregate separately to each premises owned by or rented to the insured. 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 CG 21 00). 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. Excludes liability coverage arising out of actual or threatened abuse or molestation of a person in the custody of any insured or employee. (Note: ISO withdrew this endorsement with the 2013 edition, as these changes were incorporated into the basic coverage form. 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. Blanket per project aggregate endorsement. Removes the contractual liability exclusion from personal injury coverage, for designated contracts. Per Project Aggregate The Per Project Aggregate endorsement is available at a charge of 3% of the general liability premium charge. This endorsement can be used to add any interest to the policy, subject to company approval. Temperature over 300 F (149 C) This endorsement can be used to eliminate a location insured under another policy, or one where the exposure is considered uninsurable by the company. 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