The Designated Construction Project General Aggregate Limit is the most we will pay for the Makes the vendor's policy excess over protection provided by the manufacturer's or distributor's policy under a vendors endorsement. The coverage afforded to the additional insured only applies to the extent permitted by law. 2. 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 . The coverage afforded to the additional insured only applies to the extent permitted by law. Coverage shall provide and encompass at least the following: i. X, C and U hazards, where applicable; ii. CG 25 03 Designated Construction Projects(s) General Aggregate Limit. . ", 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 This endorsement was withdrawn from use in 2012 but reinstated in 2013. Excludes the professional liability exposure of veterinarians and veterinary hospitals. Waiver of subrogation on blanket basis . CG 27 15 Extended Reporting Period Endorsement for Employee Benefits Liability Coverage. CG 24 27 - Limited Contractual Liability - Railroads. This endorsement is not approved in Texas. Provides pollution liability coverage on a claims-made basis. (See CG 22 74). Division Name: CM. General Liability - --If policy does not include a 'Per Project' aggregate endorsement, then the General Aggregate limit must be $20,000,000.--Personal and advertising Injury limit must be $10,000,000.--Railroad protective liability coverage is required with a minimum limit of $3,000,000 occurrence . Adds the interest of the owner of land to the tenant's policy. See also endorsements CG 21 07 and CG 21 08 below. Limited coverage can be provided with endorsements CG 24 05 and CG 24 11. Amends the limits of liability after policy inception. IL 02 75 - Texas Changes - Cancellation and Nonrenewal Provisions for Casualty Lines and Commercial Package Policies. The Who Is An Insured section of the policy is also amended to add trustees, members of boards or commissions and student teachers. Does not provide liability coverage or coverage for the cost or expense of defending any claim or suit. . 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. Business Li- CG 32 09 Texas Changes - Nonbinding Arbitration. Provides pollution liability coverage on a claims-made basis, including the cost of site clean up. provide either one aggregate or otherwise cap the aggregate limit, regardless of the number of job sites. Cover the liability of a parent corporation which arises from the subsidiary's operations. See endorsement CG 21 31 for an alternative. Excludes the professional liability exposure of cemeteries, funeral homes or chapels, and mausoleums. See CG 24 27. A separate Designated Construction Project General Aggregate Limit applies to each designated construction project, and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. IL 09 11 through IL 09 27 - Retrospective Premium Endorsements. 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 property damage arising out of failure of seeds to germinate, erroneous delivery of seed, or error in mechanical mixture of seed. Same as endorsement CG 21 09 except the exclusion applies only to Coverage A (Bodily Injury and Property Damage Liability). Adds a separate insuring agreement to include coverage for property damage arising out of failure of seeds to germinate, erroneous delivery of seed, or error in mechanical mixture of seed. Removes the contractual liability exclusion from personal injury coverage, for designated contracts. Allows for the arbitration of disputes between the company and the insured, without the arbitrator's decision being binding on any party. 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. 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. This form can be modified with endorsement CG 28 07 to apply to any principal's liability for the acts of agents. 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. Excludes from a contractor's policy all work in connection with a wrap-up project where the contractor's interest is covered elsewhere. Applies the aggregate limit separately to each location specified in the endorsement. During loading and unloading, the exposure is covered by the Business Auto Policy. 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 . Think of it as insurance on the shelf - you use it as you need it. See CG 21 60 for an absolute Year 2000 exclusion. Does not cover liability arising out of the townhouse owner's individual property. Excludes all liability for the product designated on the endorsement. 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. Designated Project Aggregate endorsements are sometimes required for contracts. 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 This endorsement is used when no specific endorsement applies to the activities of the insured. CG 33 97 Texas Additional Insured - Lessor of Leased Equipment - Automatic Status When Required in Lease Agreement with You. Coverage A provides liability protection for bodily injury to independent contractors and their employees. The fact that corporal punishment may be administered in a proper and legal manner has no bearing on the exclusion. 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. Provides additional insured status to a designated person or organization that has granted the named insured a license. - Please confirm on the certificate or by uploading endorsement(s) that Waiver of Subrogation applies to this policy. Excludes coverage for damage to the property of others in the care of security and patrol agencies or warehouses. Used with experience - rated risks to show experience rating date. 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. Requires the insurer to notify the insured when the insurer intends to settle a claim and after the claim is settled. Only the "professional" exposure of construction management, and that of any architect, engineer or surveyor is excluded. See CG 01 56. See technical report Additional Insureds and Contractual Liability - 2004 Endorsements and Revisions in 2012 and 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. Account 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. See endorsement CG 22 67.. - Please confirm on the certificate or by uploading endorsement(s) that Waiver of Subrogation applies to this policy. It also excludes damage to property managed by the named insured. Coverage for additional insured applies only to current operations of insured (not past) and not to any work performed for the additional insured. The land so leased must be designated on the endorsement. Excludes liability arising from acts, errors or omissions in connection with the listed services. Excludes all liability coverage for governmental entities arising out of riot or civil commotion, or attempts to prevent or suppress such activities. All other states: $1,000,000 per occurrence and $2,000,000 aggregate. 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. Provides coverage for the pollution exposure accompanying the removal, replacement, repair, encapsulation or enclosure of hazardous materials. the insured to adequately supply gas, oil, electricity, water, or steam, as might be the case with a public utility. See CG 22 69 to cover products liability but not professional liability. Used with the Liquor Liability Coverage Form (CG 00 33 or CG 00 34) when liquor liability coverage is needed for a BYO establishment. CG 25 02 Amendment of Limits of Insurance. See CG 26 46 for the appropriate Texas form. Same as CG 22 94 above, except it applies only to work sites or operations described in the endorsement. 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. Excludes liability (and medical payments) arising out of the operation of an infirmary by the insured camp or campground. Blanket Per Project Aggregate Blanket Additional Insured - Completed Operations / CG2037 Equivalent Blanket Your Work - 1185 Equivalent (Commercial Work Only) Blanket Waiver of Subrogation Blanket Primary/Non-Contributory Wording Buildings and Structures Exceeding 3 Stories (Exterior) Schools & Recreation Facilities Heating Devices Hospital Work Remove blanket and form bend by hand. Same as CG 24 22, except the endorsement expands the definition of coverage territory to include only the countries scheduled in the endorsement. Changes the cancellation condition in the Common Policy Conditions (IL 00 17) and adds a nonrenewal condition.Required by Texas law. Legal Liability and Borrowed Equipment 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. 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. Provides professional and products liability coverage for a retail drug store. Excludes bodily injury or personal injury arising out of employment practices of the insured, such as refusal to employ, termination, coercion, demotion, discipline, harassment, discrimination and other practices. 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. GEN'L AGGREGATE LIMIT APPLIES PER: PRODUCTS - COMP/OP AGG $ POLICY: X: PROJECT: LOCATION $ . Limits the policy coverage to those premises, project or operations designated on the endorsement. Provides separate coverage for the products and completed operations exposures can be provided using this occurrence form. Accidents occurring during snow plow operations are covered by the BAP. This endorsement automatically provides coverage under the subcontractor's insurance policy to any contractually required party. This endorsement was withdrawn from use in 2013. In addition, limits coverage to the extent that the insured's assumption of tort liability is permitted by law. 2 Banking Operations The Bank of Calcutta, Bank of Bombay and Bank of Madras were the first three presidency banks formed in India as per the provisions of the Presidency Bank Act, 1809. Clarifies that a BYO establishment is to be considered selling, serving or furnishing alcoholic beverages. Limits coverage to the insured's liability arising out of trust properties in which the insured has a fiduciary or representative interest. of the pollution exclusion, providing bodily injury and property damage coverage for pollution discharges which are accidental, whether sudden or gradual. 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 . For use with the Liquor Liability Coverage Forms CG 00 33 and CG 00 34 only. 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. This is a Federal Highway Administration (FHWA . The Project Agreement relates to the Base Agreement we entered . 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. It provides for an extended reporting time for claims arising out of occurrences covered by the policy. This endorsement was withdrawn from use in 2013. 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. CG2010 Scheduled Additional Insured $25 charge per endorsement and Blanket Additional Insured $100 . Applies only to the professional services described in the endorsement. Provides protection for financial institutions (including officers, employees and trust beneficiaries) for liability arising out of the ownership, maintenance or use of property in any trust for which the named insured is acting in a fiduciary or representative capacity. See CG 32 09 for Texas-approved form. 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. This is usually used by contractors and companies that do project related work since they work on many different projects. The endorsement excludes the expense of bringing an out of control well under control. blanket schedule. 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. Eliminates liability protection for employees of the insured, other than the executive officers of a corporation, and for volunteer workers. Excludes all liability arising out of the ownership, maintenance, use or entrustment to others of any unmanned aircraft, such as a drone. See CG 33 96 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. An exception provides coverage for liability arising out of cars used at the site of construction or repair. 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. 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 completed operations liability for the work designated on the endorsement. as a construction manager. Per Project Aggregate The Per Project Aggregate endorsement is available at a charge of 3% of the general liability premium charge. Cleanup costs are still excluded. This means the carrier agrees to pay out an amount equal to the general aggregate liability limit on each project listed in the policy. Re dating your ex. A blanket additional insured endorsement may be available for with your insurance company. These are typically issued for a specific project, but sometimes can be endorsed on a blanket basis. The project owner is protected by the OCP policy primarily in two circumstances. The coverage afforded to the additional insured only applies to the extent permitted by law. The company agrees that they will not use charitable immunity as a defense in claims against the insured. Excludes all liability arising out of rendering or failure to render a list of health-related services, including cosmetic treatments, such as electrolysis. Amends policy provisions to comply with Texas Condominium Law. 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. Excludes property damage to underground resources (oil, gas, water) and equipment (drilling equipment) in the insured's drilling operation. This endorsement is for use with the claims-made liquor liability coverage part, CG 00 34. Amends cancellation provisions and adds nonrenewal provisions required by law: (1) cancellation of a new policy for any reason within the first 60 days; (2) cancellation of a new policy after 60 days or a renewal policy only for specific reasons; (3) 10 days' notice of cancellation; (4) nonrenewal with 60 days' notice. Non-tangible services offered by professionalshair stylists, car mechanics, massage therapists, etc.are businesses in need of insurance. Excludes bodily injury to any person practicing for or participating in any sports or athletic contest sponsored by the insured. Same as CG 24 17 except the coverage does not apply to the sole negligence of the indemnified railroad. Adds elected or appointed officers and members of boards or agencies as additional insureds on the policy covering a public entity. This coverage may include potentially risky exclusions and reflect the following estimated terms and limits: $1,000,000 per occurrence. Excludes coverage for personal and advertising injury exposures arising out of a lawyers professional services, as an alternative to excluding all personal and advertising injury coverage for lawyers. The Designated Construction Project General Aggregate Limit is the most we will pay for the 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. - Confirm on certificate that General Aggregate is Per Project. Also clarifies that autos used on city property (streets) do not meet the definition of "mobile equipment", but remain "autos" excluded under the CGL. 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.
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