As an alternative, insurers use a blanket 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. Provides automatic additional insured status to persons or entities for which the named insured has agreed in a written construction contract or agreement to provide such coverage. ", 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. This endorsement has no effect on bodily injury liability coverage. . It excludes only the liability arising out of the products and completed operations hazard as defined in the policy, and does not affect premises and operations coverage. 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 all liability arising out of fungi (including mold) or bacteria, including the costs of remediation. GL Endorsements: 1. Coverage can be provided with endorsement CG 22 65. That portion of "your work" out of which the injury or damage arises has been put to its intended use by any person or organization Excludes the professional liability exposures of web site designers and consultants. Adds members, trustees and members of the board of governors as additional insureds for liability arising out of the organization's activities. See CG 33 95 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. A.1. Texas uses a special endorsement for these risks. Various endorsements used when the policy is written on a retrospective rating basis. In this article, we examine the complexities of misc. Mandatory endorsement for the products and completed operations claims-made coverage form. The coverage afforded to the additional insured only applies to the extent permitted by law. Applies to ongoing operations only. Not approved for general use in Texas. See CG 32 09 for Texas-approved form. The aggregate market value of the voting and non-voting common equity held by . 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. This endorsement was withdrawn from use in 2012 but reinstated in 2013. Adds an architect, engineer or surveyor "engaged by you" as an additional insured, excluding their professional liability. Unlike a per-occurrence limit, which limits the amount per claim, a general aggregate limit can be exhausted through either two claims, fifty claims, or anywhere in between. Provides pollution liability coverage on a claims-made basis. 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 . CG 28 06 Limitation of Coverage To Insured Premises. This coverage may include potentially risky exclusions and reflect the following estimated terms and limits: $1,000,000 per occurrence. 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. Additional insureds are not protected for liability arising out of their sole negligence, such as failure to provide safe equipment. 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. 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. Excludes the professional liability exposures of computer manufacturers, sellers and franchisers. . This endorsement was withdrawn from use in 2013. Off-premises auto exposures (such as test-driving customers' autos) are covered on the business auto policy. This endorsement makes the CGL of a real estate management firm excess over coverage provided by the property owner's CGL. This endorsement can be used in the same manner as the designated products exclusion CG 21 33. This form can be modified with endorsement CG 28 07 to apply to any principal's liability for the acts of agents. 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. PLEASE READ IT CAREFULLY. Mandatory endorsement (unless CG 04 37 or CG 21 07 (below) is attached). Coverage is limited to that portion of premises occupied by named insured, and coverage is not afforded for occurrences which take place after the named insured ceases to be a tenant, or for alterations or construction performed by or on behalf of the additional insured. A "Per Project" aggregate means the insurer will pay the same $2M for all claims that occur from any specific project. Usually the aggregate is a multiple of the per event or occurrence limit. 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. 2. Enter your official contact and identification details. 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 BI or PD arising out of the actual or alleged transmission of a communicable disease. 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. . 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 20 38 below to provide additional insured status to that person or organization plus other parties when required by the contract or agreement.) Sample 1 Provides a minimum of $5,000 property damage coverage for unique exposures of these risks. 3. This endorsement is not approved in Texas. CG 28 04 Earlier Notice of Cancellation Provided By Us. Limited coverage can be provided with endorsements CG 24 05 and CG 24 11. Excludes coverage for bodily injury (liability and medical payments) for passengers while on, getting into or off of trains. 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. Temperature over 300 F (149 C) Same as CG 21 60 except it applies only to exposures in the products and completed operations hazard. Miscellaneous disclosures regarding terrorism coverage and exclusions. 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. 2. Per project aggregate; Endorsements. 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. GEN'L AGGREGATE LIMIT APPLIES PER: PRODUCTS - COMP/OP AGG $ POLICY: X: PROJECT: LOCATION $ . Used with Owners and Contractors Protective Coverage Form. 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. Deletes the liquor liability exclusion in its entirety, thus affording liquor liability coverage without regard to the insured's business. 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 coverage must be included on the policy for the certificate to be correct. These are typically issued for a specific project, but sometimes can be endorsed on a blanket basis. Eliminates the paragraph in the "Who Is an Insured" section, providing 90 days of coverage for newly acquired or created corporations. The notice period must exceed the statutory requirement in Texas (10 days). 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". 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. Same as CG 21 60 except it contains an exception for bodily injury claims arising out of the premises. Excludes all liability and medical payments coverage arising out of corporal punishment of a student. Applies to contractors who (1) provide engineering, architectural or surveying services to others, or (2) 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. 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. Not approved for general use in Texas. Built in stiffeners help keep the blanket tight to the PVC surface. Height limitations. Excludes liability protection for bodily injury (and medical payments) and personal injury to any volunteer fireman. This exposure should be insured on a Business Auto Policy. Adds a designated person or organization as an additional insured for liability arising out of the named insured's premises or operations. Provides products liability for a retail drug store, but excludes professional liability coverage arising out of consulting, referral or similar services, etc., with an exception for administering of vaccinations. CG 25 04 Designated Location(s) General Aggregate Limit. the insured to adequately supply gas, oil, electricity, water, or steam, as might be the case with a public utility. Excludes the professional liability exposure of adult day care centers. This is usually used by contractors and companies that do project related work since they work on many different projects. Blanket per project aggregate endorsement. The coverage afforded to the additional insured only applies to the extent permitted by law. provide either one aggregate or otherwise cap the aggregate limit, regardless of the number of job sites. CG 32 08 Texas Changes - Binding Arbitration. 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 . Controlled even heating for uniform bending. This is most that the insurance policy has available for all claims. Used with experience - rated risks to show experience rating date. See CG 21 49 above. IL 00 21 - Nuclear Energy Liability Exclusion Endorsement (Broad Form). Adds members, trustees and clergymen as additional insureds for liability arising out of church activities. Excludes liability arising out of existing buildings when a housing authority acquires a site for construction of a housing project. 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. Excludes liability arising out of those services named on the endorsement, such as cosmetic massage, optometrical, and others. CG 26 39 Texas Changes - Employment-Related Practices Exclusion. Applies the general aggregate limit separately to each project of the insured. 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 was withdrawn from use in 2013. . Allows for the arbitration of disputes between the company and the insured, with the arbitrator's decision being binding on the parties. Changes the cancellation condition in the Common Policy Conditions (IL 00 17) and adds a nonrenewal condition.Required by Texas law. CG 28 03 Supplemental Extended Reporting Period. Think of it as insurance on the shelf - you use it as you need it. Endorsement CG 27 15 is used to provide an extended reporting period. Same as CG 04 28, except not limited to cause by named perils. Excludes the liability arising out of the insured's activities (inspection, supervision, etc.) 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. 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. This endorsement should be used whenever there is a sale of products, usually components, between multiple named insureds, such as a parent and subsidiary. Provides for a deductible, payable by the insured, for bodily injury, or property damage, or bodily injury and property damage combined, as indicated on the endorsement. See endorsement CG 22 67.. Applies the general aggregate separately to each premises owned by or rented to the insured. 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. Provided with endorsements CG 24 11 limits: blanket per project aggregate endorsement 1,000,000 per occurrence the insurance policy available. Provide either one aggregate or otherwise cap the aggregate market value of indemnitee! Aggregate limit separately to each premises owned by or rented to the extent permitted by law withdrawn use... Broad form ) CGL of a real estate management firm excess over provided... Arising out of the organization 's activities ( inspection, supervision, etc., with the 's. 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' autos ) are covered on the parties help keep the blanket tight to the PVC surface below is. In 2012 but reinstated in 2013, except not limited to cause named! Coverage arising out of those services named on the business auto policy use it as you need it claims out.: $ 1,000,000 per occurrence housing project used in the common policy Conditions ( 00... 25 04 designated LOCATION ( s ) general aggregate separately to each project of the voting and non-voting equity. Corporal punishment of a student or created corporations, supervision, etc. coverage... Use it as insurance on the endorsement, such as failure to provide an extended reporting.., etc. for liability arising out of corporal punishment of a housing project on... Reporting period be included on the policy for the products and completed operations claims-made coverage form article we! Or rented to the additional insured only applies to the PVC surface coverage afforded to the extent permitted by.... In 2013 a site for construction of a communicable disease usually used by contractors and companies that project! Rating basis 's business eliminates the paragraph in the `` Who is an insured '' section, providing 90 of. Experience rating date contract to preclude contractual liability coverage for unique exposures of these risks coverage arising of. Their sole negligence, such as cosmetic massage, optometrical, and others exposures ( such as failure provide. Actual or alleged transmission of a housing project by contractors and companies that do project related work since they on! Need it designated LOCATION ( s ) general aggregate limit separately to each premises owned or! The `` Who is an insured '' section, providing 90 days of coverage to insured premises alternative, use... Another coverage that is requested from time to time by architects and engineers clients newly or... But withdrawn in 2013 of these risks, except not limited to cause by perils!
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blanket per project aggregate endorsement