See CG 33 97 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. Excludes the professional and products liability coverage of a druggist. 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 bodily injury or personal injury arising out of employment practices of the insured. Provides malpractice insurance for optometrists and hearing aid establishments. The punishment is excluded whether it is administered by or done at the direction of any insured, not just the named insured. Endorsement CG 27 15 is used to provide an extended reporting period. Limits coverage afforded by Liquor Liability coverage part, CG 00 33, to the premises designated on the endorsement, or newly acquired premises for 30 days. See CG 24 27. Deletes coverage for "oral or written publication of material that violates a person's right of privacy.". Applies the general aggregate limit separately to each project of the insured. Mandatory endorsement (unless CG 04 37 or CG 21 07 (below) is attached). (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.) 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. 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 . See CG 33 96 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. See endorsement CG 22 30 for a specific exclusion of corporal punishment. Must be attached to policies insuring townhouse associations. 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. Used with risks where food products are consumed on the premises, such as restaurants. Applies only to the professional services described in the endorsement. CG 32 09 Texas Changes - Nonbinding Arbitration. Temperature over 300 F (149 C) 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. 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. Blanket endorsementsdo not require that an additional insured be specifically named. Designated Project Aggregate endorsements are sometimes required for contracts. 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 Designated Location General Aggregate Limit is the most we will pay for the sum of all damages under Paragraph . Used with experience - rated risks to show experience rating date. The coverage must be included on the policy for the certificate to be correct. For use with OCP coverage part, CG 00 09, this amends the bodily injury definition to include the personal injuries of false arrest, detention or imprisonment. Adds the interest of the owner of equipment to a policy covering the named insured who leased the equipment. Creates an exception to the pollution exclusion to cover the escape of a pollutant specifically listed in the endorsement schedule. 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. Per project aggregate; Endorsements. 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. The contractual assumption must relate to the perils of false arrest, detention or imprisonment. 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 unit-owners as additional insureds for liability arising out of common areas. Business Li- 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. Excludes damage caused by errors in providing data procession services by the insured or others for whom the insured is responsible. 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. Has Pen . This endorsement was withdrawn from use in 2012 but reinstated in 2013. See CG 22 97 to cover products and professional liability. 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 and limits of liability apply only to the extent required in the contract or agreement. 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 coverage for the pollution exposure accompanying the removal, replacement, repair, encapsulation or enclosure of hazardous materials. This means the carrier agrees to pay out an amount equal to the general aggregate liability limit on each project listed in the policy. 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 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. Kayla's old fat creampie xxx girl licks man. Excludes the professional liability exposure of mission, settlement, or halfway houses, or other providers of counseling for mental health, crisis prevention, social services or drug and alcohol rehabilitation. During loading and unloading, the exposure is covered by the Business Auto Policy. Excludes all liability arising out of the products and completed operations hazards. Texas uses a special endorsement for these risks. Same as CG 04 28, except not limited to cause by named perils. Heavy duty cord and thermostat for long life. Off-premises auto exposures (such as test-driving customers' autos) are covered on the business auto policy. Amends the definition of insured contract to preclude contractual liability coverage for the sole negligence of the indemnitee. of the pollution exclusion, providing bodily injury and property damage coverage for pollution discharges which are accidental, whether sudden or gradual. The endorsement excludes the expense of bringing an out of control well under control. Establishes separate per-occurrence limits for bodily injury and property damage. Same as CG 21 60 except it applies only to exposures in the products and completed operations hazard. CG 33 96 Texas Additional Insured - Lessor of Leased Equipment. Amends policy provisions to comply with Texas Condominium Law. Excludes coverage for bodily injury (liability and medical payments) for passengers while on, getting into or off of trains. Provides separate coverage for the products and completed operations exposures can be provided using this occurrence form. 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. 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. Not approved for general use in Texas. There is no exception for liability assumed under an insured contract. Excludes liability protection for bodily injury (and medical payments) and personal injury to any volunteer fireman. CG 28 07 Principal's Protective Liability Coverage Part. Blanket endorsement: The insurance company sees the blanket waiver as a means to review the contract you've signed with the third party and make recommendations for better contractual risk transfer in the future. Excludes property damage liability arising out of explosion (x), collapse (c) and/or underground property damage (u) hazards designated on the endorsement. 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. Coverage is not included automatically, and must be requested if needed. 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. 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. Eliminates the paragraph in the "Who Is an Insured" section, providing 90 days of coverage for newly acquired or created corporations. Account Excludes liability coverage arising out of actual or threatened abuse or molestation of a person in the custody of any insured or employee. Excludes liability relating to exposures of the named risks, including design, specifications, supervision and inspection. Remove blanket and form bend by hand. 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. Excludes all liability arising out of the ownership, maintenance, use or entrustment to others of any unmanned aircraft, such as a drone, subject to an exception for specified unmanned aircraft engaged in operations or projects shown in the endorsement and subject to a special limit shown in the endorsement. Applies to all services covered on the policy. Clarifies that completed operations coverage applies to delivery into the wrong receptacle or erroneous delivery of the wrong liquid. (Note: ISO withdrew this endorsement with the 2013 edition, as these changes were incorporated into the basic coverage form. Includes elected or appointed officials and members of boards or commissions as insureds under the policy of governmental entity. Cleanup costs are still excluded. 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 claims arising out of the Year 2000 computer problems, with exceptions for operations or locations specified in the endorsement. It also excludes damage to property managed by the named insured. There is no similar endorsement available to exclude specific operations of the insured. On This Page Additional Information The coverage afforded to the additional insured only applies to the extent permitted by law. 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. See CG 22 96 for an alternative to this absolute exclusion for lawyers. Excludes the professional liability exposures of computer manufacturers, sellers and franchisers. Sample 1 It provides for an extended reporting time for claims arising out of occurrences covered by the policy. ", 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. Provides pollution liability coverage on a claims-made basis, including the cost of site clean up. Amends Exclusion "p" in Coverage A (Bodily Injury and Property Damage) and adds an exclusion to Coverage B (Personal and Advertising Injury) to preclude coverage for liability arising out of access to or disclosure of confidential or personal information, with an exception for bodily injury damages. 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 is an absolute exclusion of all exposures arising out of the Year 2000 problem. This coverage may include potentially risky exclusions and reflect the following estimated terms and limits: $1,000,000 per occurrence. Provides extended reporting period for Employee Benefits Liability when endorsement CG 04 35 is attached to the policy. CG 26 39 Texas Changes - Employment-Related Practices Exclusion. 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. Same as endorsement CG 24 50 except the exclusion applies only to Coverage B (Personal and Advertising Injury Liability). Think of it as insurance on the shelf - you use it as you need it. Pack of 1 Unit. 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 . Requires the insurer to provide loss information to the insured within 30 days of nonrenewal or a request by the insured. The project agg must be added to a CGL by endorsement. 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". GEN'L AGGREGATE LIMIT APPLIES PER: PRODUCTS - COMP/OP AGG $ POLICY: X: PROJECT: LOCATION $ . Removes the contractual liability exclusion from personal injury coverage, for designated contracts. Adds an exclusion to Coverage B (Personal and Advertising Injury) to preclude coverage for liability arising out of access to or disclosure of confidential or personal information. - Please confirm on the certificate or by uploading endorsement(s) that Additional Insured . Excludes all liability arising out of the ownership, maintenance, use or entrustment to others of any unmanned aircraft, such as a drone. This endorsement was withdrawn from use in 2012, but reinstated in 2013. Adds members, trustees and members of the board of governors as additional insureds for liability arising out of the organization's activities. See CG 26 39 for the appropriate Texas form. 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. This endorsement was withdrawn from use in 2013. The general aggregate is the maximum amount of money a liability insurance policy will pay in a given policy term. 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. CG 21 55 - Total Pollution Exclusion with Hostile Fire ExceptionThis endorsement is an absolute pollution exclusion, including products and completed operations, with an exception for pollution caused by a hostile fire. 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 was withdrawn from use in 2013. the insured to adequately supply gas, oil, electricity, water, or steam, as might be the case with a public utility. ", CG 21 51 - Amendment of Liquor Exclusion - Exception for Scheduled Activities, general use in Texas, but could be used on a "large risk.". A blanket additional insured endorsement may be available for with your insurance company. GL Endorsements: 1. 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 When per-project limit wording is not required: "X is included as additional insured with respect to the general liability as required by written contract per the attached endorsement." 456 Market St - Building: $2,000,000. 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. 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. 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. - Please confirm on the certificate or by uploading endorsement(s) that Waiver of Subrogation applies to this policy. (See CG 21 00). 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. Non-tangible services offered by professionalshair stylists, car mechanics, massage therapists, etc.are businesses in need of insurance. 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. Excludes liability arising out of the products and professional services of the named risks. 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 individual townhouse owners as additional insureds for liability as a member of the townhouse association. Height limitations. See CG 21 67 for an absolute exclusion of coverage for fungi or bacteria. See CG 32 09 for Texas-approved form. This is most that the insurance policy has available for all claims. 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. This endorsement provides completed operations coverage for the loading and unloading of vessels, without the need to purchase specific coverage. Like endorsement CG 21 06, this endorsement excludes damages arising out of access to or disclosure of confidential or personal information. In addition, limits coverage to the extent that the insured's assumption of tort liability is permitted by law. Provides separate coverage for the products and completed operations exposures can be provided using this claims-made form. This is a professional liability exclusion for the specific risks named. 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. CG 27 15 Extended Reporting Period Endorsement for Employee Benefits Liability Coverage. See technical report Additional Insureds and Contractual Liability - 2004 Endorsements and Revisions in 2012 and 2013. Persons to whom golfmobiles are rented or loaned are protected under the owner's policy. It does this by adding a policy endorsement (an amendment to the existing policy). The City of Tucson is seeking qualified consultant support for the planning and design of HAWK Signals. 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 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 fact that corporal punishment may be administered in a proper and legal manner has no bearing on the exclusion. Required on all policies. The coverage afforded to the additional insured only applies to the extent permitted by law. (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.) . Without the exclusion, the insured may be charged a premium for such intercompany sales at audit. 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. - Confirm on certificate that General Aggregate is Per Project. Coverage is limited to the designated site or location of work. Mandatory endorsement for the liquor liability claims-made coverage form. See IRMIs article on this subject, "Full Circle Regression: The New ISO Your Work Endorsements.". This endorsement automatically provides coverage under the subcontractor's insurance policy to any contractually required party. See CG 33 91 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. Excludes the errors and omissions exposures of internet service providers (ISPs) and Internet Access Providers. - Please confirm on the certificate or by uploading endorsement(s) that Waiver of Subrogation applies to this policy. The coverage afforded to the additional insured only applies to the extent permitted by law. Excludes the professional liability exposure of veterinarians and veterinary hospitals. The coverage afforded to the additional insured only applies to the extent permitted by law. Excludes all liability and medical payments coverage arising out of corporal punishment of a student. CG 28 06 Limitation of Coverage To Insured Premises. Some classifications, such as lawyer's offices, require attachment of this endorsement. Excludes "professional" services of various financial entities, such as banks, stock brokers, and investment counselors. Sex offenders in my area watchdog by zip. Excludes liability arising from acts, errors or omissions in connection with the listed services. Adds members, trustees and clergymen as additional insureds for liability arising out of church activities. CG 33 97 Texas Additional Insured - Lessor of Leased Equipment - Automatic Status When Required in Lease Agreement with You. Removes all of paragraph (1.) This endorsement was withdrawn from use in 2012 but reinstated in 2013. Excludes medical payments to patients in a health care facility or mission, and inmates in a penal institution. Provides automatic additional insured status to (1) persons or organizations with which the named insured has entered into a written construction contract or agreement and agreed to provide such coverage, and (2) other persons or organizations the named insured is required to add as an additional insured under that contract or agreement. This endorsement provides coverage per project on the aggregate limit, rather than a policy limit. 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. These endorsements are for use with the ISO claims-Made CGL. Adds an architect, engineer or surveyor "engaged by you" as an additional insured, excluding their professional liability. The coverage afforded to the additional insured only applies to the extent permitted by law. 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. Such a provision is required for charitable institutions in some states, but not in Texas. CG 28 03 Supplemental Extended Reporting Period. The coverage afforded to the additional insured only applies to the extent permitted by law. PLEASE READ IT CAREFULLY. City of Carson, its elected and appointed officers, employees, volunteers and agents are additiona l insureds OR blanket additional insured endorsement. This endorsement must be attached when the insured is a licensed pesticide or herbicide applicator. IL 00 21 - Nuclear Energy Liability Exclusion Endorsement (Broad Form). Not approved for general use in Texas, CG 28 31 Railroad Protective Liability - Pollution Exclusion Amendment. 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. Provides additional insured status to a designated person or organization that has granted the named insured a license. Provides a minimum of $5,000 property damage coverage for unique exposures of these risks. In some cases, the insured may wish to avoid paying numerous medical payments claims, and rely instead on liability protection for bodily injury. 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. POLICY: If the PER POLICY box is checked on the certificate of insurance, that means the policy aggregate limit is $2,000,000 for the entire policy period listed on the COI. 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. 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. Provides off-premises pollution coverage, if insured is properly licensed. Coverage and limits of liability apply only to the extent required in the contract or agreement. The insured is also obligated to take necessary measures, at his own expense, to bring a well under control to minimize property damage. Also deletes the professional liability exclusion for an employed pharmacist in the Who Is An Insured section. 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. CG 25 14 Designated Location(s) Aggregate Limit. Adds these professionals as additional insureds (excluding professional liability) when they are engaged by other than the named insured (such as the project owner). See CG 20 15. . The products distributed are specified on the endorsement (See CG 24 10, Excess Provision - Vendor). Same as above, except applies only to permits relating to premises use, such as the erection of a sign. See CG 01 56. This exposure should be insured on a Business Auto Policy. In addition, limits coverage to the extent that the insured's assumption of tort liability is permitted by law. Excludes from a contractor's policy all work in connection with a wrap-up project where the contractor's interest is covered elsewhere. 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