- Confirm on certificate that General Aggregate is Per Project. Same as above, except applies only to permits relating to premises use, such as the erection of a sign. (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.) Eliminates liability protection for employees of the insured, other than the executive officers of a corporation, and for volunteer workers. Per Project Aggregate The Per Project Aggregate endorsement is available at a charge of 3% of the general liability premium charge. It prevents a claim on one project from exhausting the policy's limits on other projects; it enables a ", 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. See CG 26 39 for the appropriate Texas form. See endorsement CG 21 31 for an alternative. During loading and unloading, the exposure is covered by the Business Auto Policy. Allows for the arbitration of disputes between the company and the insured, without the arbitrator's decision being binding on any party. 2. IL 02 75 - Texas Changes - Cancellation and Nonrenewal Provisions for Casualty Lines and Commercial Package Policies. Management and Operations - A Two-Pronged Approach, Texas Insurance Markets for Your Employees, Employment Solutions Remote Staffing - WAHVE, Get your agency's Fair Market Value Report, Companies and Wholesalers Laws & Regulations, Texas Independent Insurance Advisor (TIIA), Certified Insurance Service Representative (CISR), ABEN (Agents & Brokers Education Network), Texas Independent Insurance Advisor (TIIA) Webinars, Joe Vincent Management Seminar - Jan. 29-31, 2023, Andr P. Juneau ELITExan of the Year Award, CG 00 01 Commercial General Liability Coverage Form (Occurrence Version), CG 00 02 Commercial General Liability Coverage Form (Claims-Made Version, CG 00 09 Owners and Contractors Protective Liability, CG 00 33 Liquor Liability (Occurrence Version), CG 00 34 Liquor Liability (Claims-Made Version), CG 00 37 Products/Completed Operations Liability (Occurrence Version), CG 00 38 Products/Completed Operations Liability (Claims-Made Version), CG 00 39 Pollution Liability Coverage Form Designated Sites, CG 00 40 Pollution Liability Limited Coverage Form Designated Sites, CG 00 65 Electronic Data Liability Coverage Form, CG 00 66 Product Withdrawal Coverage Form, CG 00 68 Recording and Distribution of Material or Information in Violation of Law Exclusion, CG 01 01 Texas Changes - Airport Liability, CG 01 03 Texas Changes - Conditions Requiring Notice, CG 01 13 Texas Changes - Experience Rating Modification, CG 01 36 Texas Changes - Your Right to Claim and Occurrence Information, CG 01 37 Texas Changes - Your Right to Claim and Injury Information, CG 01 38 Texas Changes - Your Right to Claim and Occurrence Information, CG 01 56 Texas Changes - Pesticide or Herbicide Applicator Coverage, CG 01 69 Texas - Excess Loss Premium Factors, CG 02 05 Amendment of Cancellation Provisions or Coverage Change, CG 02 24 Earlier Notice of Cancellation By Us, CG 03 00 Deductible Liability Insurance (For Use With CGL and Products Policies), CG 03 05 Deductible Liability Insurance (For Use With Liquor Policies), CG 04 22 Pollution Liability Coverage Extension, CG 04 24 Coverage for Injury to Leased Workers, CG 04 28 Pollution Exclusion - Named Peril Limited Exception for a Short-term Pollution Event, CG 04 29 Pollution Exclusion - Limited Exception for a Short-term Pollution Event, CG 04 30 Pollution Exclusion - Limited Exception for Designated Pollutant(s), CG 04 31 Year 2000 Computer-Related and Other Electronic Problems - Limited Coverage Options, CG 04 35 Employee Benefit Liability Coverage, CG 04 49 Texas Changes - Limited Product Withdrawal Expense Endorsement, CG 20 01 Primary and Noncontributory - Other Insurance Condition, CG 20 03 Additional Insured - Concessionaires Trading Under Your Name, CG 20 04 Additional Insured - Condominium Unit-Owners, CG 20 05 Additional Insured - Controlling Interest, CG 20 07 Additional Insured - Engineers, Architects or Surveyors, CG 20 08 Additional Insured - Users of Golfmobiles, CG 20 10 Additional Insured - Owners, Lessees, or Contractors - Scheduled Person or Organization, CG 20 11 Additional Insured - Managers or Lessors of Premises, CG 20 12 Additional Insured - State or Governmental Agency or Subdivision or Political Subdivision - Permits or Authorizations, CG 20 13 Additional Insured - State or Governmental Agency or Political Subdivision or Political Subdivision - Permits or Authorizations Relating To Premises, CG 20 14 Additional Insured - Users of Teams, Draft or Saddle Animals, CG 20 17 Additional Insured - Townhouse Associations, CG 20 18 Additional Insured - Mortgagee, Assignee, or Receiver, CG 20 20 Additional Insured - Charitable Institutions, CG 20 22 Additional Insured - Church Members and Officers, CG 20 24 Additional Insured - Owners or Other Interests From Whom Land Has Been Leased, CG 20 25 Additional Insured - Elective or Appointive Executive Officers of Public Corporations, CG 20 26 Additional Insured - Designated Person or Organization, CG 20 27 Additional Insured - Co-Owners of Premises, CG 20 28 Additional Insured - Lessor of Leased Equipment, CG 20 29 Additional Insured - Grantor of Franchise, CG 20 30 Oil or Gas Operations - Non Operating Working Interests, CG 20 31 Additional Insured - Engineers, Architects or Surveyors, CG 20 32 Additional Insured - Engineers, Architects or Surveyors Not Engaged by the Named Insured, CG 20 33 Additional Insured - Owners, Lessees or Contractors - Automatic Status When Required in Construction Agreement with You, CG 20 34 Additional Insured - Lessor of Leased Equipment - Automatic Status When Required in Lease Agreement with You, CG 20 35 Additional Insured Grantor of Licenses Automatic Status When Required By Licensor, CG 20 36 Additional Insured Grantor of License, CG 20 37 Additional Insured Owners, Lessees Or Contractors Completed Operations, CG 20 38 Additional Insured Owners, Lessees or Contractors Automatic Status for Other Parties When Required in Construction Agreement, CG 21 00 Exclusion - All Hazards In Connection With A Designated Premises, CG 21 01 - Exclusion - Athletic or Sports Participants, CG 21 04 - Exclusion - Products/Completed Operations Hazard, CG 21 06 Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability - With Limited Bodily Injury Exception, CG 21 07 Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability - Limited Bodily Injury Exception Not Included, CG 21 08 Exclusion - Access or Disclosure of Confidential or Personal Information (Coverage B Only), CG 21 10 Exclusion - Unmanned Aircraft (Coverage A Only), CG 21 11 - Exclusion - Unmanned Aircraft (Coverage B Only), CG 21 16 - Exclusion - Designated Professional Services, CG 21 17 - Exclusion - Movement of Buildings or Structures, CG 21 31 - Limited Exclusion - Designated Operations Coverage by a Consolidated (Wrap-Up) Insurance Program, CG 21 32 - Communicable Disease Exclusion, CG 21 33 - Exclusion - Designated Products, CG 21 35 - Exclusion - Coverage C - Medical Payments, CG 21 37 - Exclusion - Employees and Volunteer Workers as Insureds, CG 21 38 - Exclusion - Personal and Advertising Injury, CG 21 39 - Contractual Liability Limitation, CG 21 41 - Exclusion - Intercompany Products Suits, CG 21 42 - Exclusion - Explosion, Collapse and Underground Property Damage (Specified Operations), CG 21 43 - Exclusion - Explosion, Collapse, Underground Property Damage (Specified Operations Excepted), CG 21 44 - Limitation of Coverage To Designated Premises, Project or Operations, CG 21 45 - Exclusion - Damages to Premises Rented to You, CG 21 52 - Exclusion - Financial Services, CG 21 53 - Exclusion - Designated Ongoing Operations, CG 21 54 - Exclusion - Designated Operations Covered by a Consolidated (Wrap-Up) Insurance Program, CG 21 57 - Exclusion - Counseling Services, CG 21 58 - Exclusion - Professional Veterinary Services, CG 21 59 - Exclusion - Diagnostic Testing Laboratories, CG 21 60 - Exclusion - Year 2000 Computer - Related and other Electronic Problems, CG 21 61 - Exclusion - Year 2000 Computer - Related and Other Electronic Problems - Products/Completed Operations, CG 21 62 - Exclusion - Year 2000 Computer - Related and Other Electronic Problems - With Exception for Bodily Injury on Your Premises, CG 21 63 - Year 2000 Computer - Related and Other Electronic Problems - Exclusion of Specified Coverages for Designated Locations, Operations, Products or Services, CG 21 64 - Year 2000 Computer - Related and Other Electronic Problems - Exclusion of Specified Coverages for Designated Products or Completed Operations, CG 21 86 - Exclusion Exterior Insulation and Finish Systems, CG 21 96 - Silica or Silica-Based Dust Exclusion, CG 22 24 Exclusion - Inspection, Appraisal and Survey Companies, CG 22 27 Exclusion - Bodily Injury To Railroad Passengers, CG 22 31 Exclusion - Riot, Civil Commotion or Mob Action, CG 22 33 Exclusion - Testing or Consulting Errors & Omissions, CG 22 34 Exclusion - Construction Management Errors & Omissions, CG 22 36 Exclusion - Products and Professional Services (Druggists), CG 22 37 Exclusion - Products and Professional Services (Optical and Hearing Aid Establishments), CG 22 38 Exclusion - Financial Institutions, CG 22 40 Exclusion - Medical Payments To Children (Day Care Centers), CG 22 42 Exclusion - Existence or Maintenance of Streets, Roads, Highways or Bridges, CG 22 43 Exclusion - Engineers, Architects or Surveyors Professional Liability, CG 22 44 Exclusion - Health or Cosmetic Services, CG 22 45 Exclusion - Specified Health or Cosmetic Services, CG 22 46 Exclusion - Rolling Stock - Railroad Construction, CG 22 47 Exclusion - Saline Substances Contamination, CG 22 48 Exclusion - Insurance and Related Operations, CG 22 51 Exclusion - Law Enforcement Activities, CG 22 52 Exclusion - Medical Payments (Inmates, Patients or Prisoners), CG 22 53 Exclusion - Laundry and Dry Cleaning Damage, CG 22 54 Exclusion - Logging and Lumbering, CG 22 56 Exclusion - Injury To Volunteer Firemen, CG 22 57 Exclusion - Underground Resources and Equipment, CG 22 58 Exclusion - Described Hazards (Carnivals, Circuses and Fairs), CG 22 60 Limitation of Coverage - Real Estate Operations, CG 22 62 Underground Resources and Equipment Coverage, CG 22 63 Stevedoring Operations (Limited Completed Operations Coverage), CG 22 65 Optical and Hearing Aid Establishments, CG 22 66 Misdelivery of Liquid Products Coverage, CG 22 68 Operation of Customers' Autos on Particular Premises, CG 22 71 Colleges or Schools (Limited Form), CG 22 73 Exclusion - Oil or Gas Producing Operations, CG 22 74 Limited Contractual Liability Coverage for Personal and Advertising Injury, CG 22 75 Professional Liability Exclusion - Computer Software, CG 22 76 Professional Liability Exclusion - Health or Exercise Clubs, CG 22 77 Professional Liability Exclusion - Electronic Data Processing, CG 22 79 Exclusion - Contractors - Professional Liability, CG 22 80 Limited Exclusion - Contractors - Professional Liability, CG 22 81 Exclusion - Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate - Seed Merchants, CG 22 87 Exclusion - Adult Day Care Centers, CG 22 88 Professional Liability Exclusion - Electronic Data Processing Services and Computer Consulting or Programming Services, CG 22 90 Professional Liability Exclusion - Spas or Personal Enhancement Facilities, CG 22 91 Exclusion - Telecommunications Equipment or Service Providers Errors and Omissions, CG 22 93 Lawn Care Services Limited Pollution Coverage, CG 22 94 Exclusion Damage To Work Performed By Subcontractors On Your Behalf, "Full Circle Regression: The New ISO Your Work Endorsements. 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. 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. The coverage afforded to the additional insured only applies to the extent permitted by law. See CG 21 67 for an absolute exclusion of coverage for fungi or bacteria. Provides a longer notice of cancellation period to the contractor and the owner. It provides coverage similar to the CGL occurrence coverage part. This endorsement was withdrawn from use in 2013. A few items to keep in mind with a 'project endorsement'. Adds the interest of the owner of equipment to a policy covering the named insured who leased the equipment. Account 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. A.1. Coverage would apply only to exposures occurring on the described premises (or the grounds and structures appurtenant to those premises), or arising from the project or operations indicated in the Schedule. In addition, limits coverage to the extent that the insured's assumption of tort liability is permitted by law. Various endorsements for the miscellaneous coverage forms. As an alternative, insurers use a blanket endorsement. Applies the general aggregate limit separately to each project of the insured. Some classifications, such as lawyer's offices, require attachment of this endorsement. 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 project owner is protected by the OCP policy primarily in two circumstances. A blanket additional insured endorsement may be available for with your insurance company. 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. Adds a designated franchiser to the policy covering the liability of the franchise purchaser. Only the "professional" exposure of construction management, and that of any architect, engineer or surveyor is excluded. Division Name: CM. 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 2012 but reinstated in 2013. . Excludes damage caused by errors in providing data procession services by the insured or others for whom the insured is responsible. 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 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 . Under our policy, the aggregate is three times the per event limit. 2. See CG 24 27. The first coverage is when the project owner is held vicariously liable for acts or omissions of the general contractor. IL 00 21 - Nuclear Energy Liability Exclusion Endorsement (Broad Form). This endorsement provides completed operations coverage for the loading and unloading of vessels, without the need to purchase specific coverage. The contractual assumption must relate to the perils of false arrest, detention or imprisonment. Same as CG 04 28, except not limited to cause by named perils. Excludes the professional and products liability coverage of a druggist. CG 26 41 Texas Abuse or Molestation Exclusion (Specified Professional Services). 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 28 03 Supplemental Extended Reporting Period. See CG 33 96 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. 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. Not approved for general use in Texas. 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. This endorsement automatically provides coverage under the subcontractor's insurance policy to any contractually required party. This endorsement was withdrawn from use in 2012 but reinstated in 2013. Excludes liability arising out of streets and bridges for their: (1) existence,(2) maintenance (3) use of mobile equipment. Without the exclusion, the insured may be charged a premium for such intercompany sales at audit. See CG 01 56. The Aggregate Limits Per Project coverage enhancement applies a separate general aggregate limit for ongoing operations at each construction project away from premises owned or rented to the insured. 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. Same as endorsement CG 21 09 except the exclusion applies only to Coverage B (Personal and Advertising Injury Liability). Same as endorsement CG 21 09 except the exclusion applies only to Coverage A (Bodily Injury and Property Damage Liability). Adds an architect, engineer or surveyor "engaged by you" as an additional insured, excluding their professional liability. Amends the limits of liability after policy inception. Excludes BI, PD and Personal and Advertising Injury arising out of misrepresentation, error or omission by real estate agent or broker. Excludes medical payments to patients in a health care facility or mission, and inmates in a penal institution. 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. Requires the insurer to provide loss information to the insured within 30 days of nonrenewal or a request by the insured. CG 28 04 Earlier Notice of Cancellation Provided By Us. 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. On This Page Additional Information Excludes all liability arising out of fungi (including mold) or bacteria, including the costs of remediation. Same as CG 24 17 except the coverage does not apply to the sole negligence of the indemnified railroad. 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. A "Per Project" aggregate means the insurer will pay the same $2M for all claims that occur from any specific project. See CG 33 95 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. Additional insured status applies only to the person or organization which has entered into the contract or agreement. 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. CG 25 02 Amendment of Limits of Insurance. Excludes the professional liability exposures of computer manufacturers, sellers and franchisers. CG 33 93 Texas Additional Insured - Owners, Lessees or Contractors - Automatic Status When Required in Construction Agreement with You. 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. Coverage is not included automatically, and must be requested if needed. See CG 33 91 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. The operations to which the endorsement applies must be shown on the endorsement or the schedule of classifications. Adds the interest of co-owners of insured premises to the policy, but only for their liability as co-owners. This endorsement was withdrawn from use in 2013. . CG 24 50 Limited Coverage for Designated Unmanned Aircraft. Adds a designated person or organization as an additional insured for liability arising out of the named insured's premises or operations. CG 28 07 Principal's Protective Liability Coverage Part. CG 24 26 - Amendment of Insured Contract Definition. Adds unmanned aircraft exclusion to the Owners and Contractors Protective Liability Coverage Part. It provides for an extended reporting time for claims arising out of occurrences covered by the policy. After unloading, the exposure is covered by the CGL. 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. Waiver of Subrogation endorsement in favor of City of Carson. 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. Applies to ongoing operations only. Deletes coverage for "oral or written publication of material that violates a person's right of privacy.". 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. 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. 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. 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. Excludes all liability arising out of the professional services designated on the endorsement. IL 09 11 through IL 09 27 - Retrospective Premium Endorsements. A designated construction project general aggregate limit endorsement modifies a commercial general liability (CGL) insurance policy to make the general aggregate limit apply separately to each designated construction project. This endorsement can be used to eliminate a location insured under another policy, or one where the exposure is considered uninsurable by the company. 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. THIS ENDORSEMENT CHANGES THE POLICY. 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Of disputes between the company and the owner 75 - Texas Changes - Cancellation and Nonrenewal Provisions for Lines.. `` used to provide loss information to the policy, but only for their as! A corporation, and must be shown on the endorsement exclusion to the policy, but for. Agreement with you, including the costs of remediation misrepresentation, error omission! Longer notice of Cancellation Provided by Us contract or agreement volunteer workers 33 93 Texas insured! An extended reporting time for claims arising out of fungi ( including mold ) or bacteria, including costs... Insured status applies only to coverage a ( Bodily Injury and Property damage liability ) their liability as.... Publication of material that violates a person 's right of privacy. `` Auto policy liability arising out the. Excludes the professional services ) exposure is covered by the OCP policy primarily in two circumstances 39 for the Texas... 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Of construction management, and must be requested if needed Confirm on certificate that Aggregate! Permits relating to premises use, such as lawyer 's offices, require attachment this.