This endorsement provides coverage per project on the aggregate limit, rather than a policy limit. Excludes property damage liability arising out of explosion (x), collapse (c) and/or underground property damage (u) hazards designated on the endorsement. Adds the designated interest as an additional insured to a policy covering the named insured's property. The coverage afforded to the additional insured only applies to the extent permitted by law. 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. 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. Must be attached to policies insuring townhouse associations. 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. This endorsement makes the CGL of a real estate management firm excess over coverage provided by the property owner's CGL. It requires periodic reporting of trust properties. The endorsement excludes the expense of bringing an out of control well under control. (See CG 21 00). See technical report Drones. Eliminates volunteer workers from the definition of insured. . A claim paid for damages arising out of one project would not affect the aggregate at other projects of the insured. There is no exception for liability assumed under an insured contract. Same as endorsement CG 24 50 except the exclusion applies only to Coverage A (Bodily Injury and Property Damage Liability). Blanket Pers Prop $ Blanket BLDG & PP $ $ $ Boiler and Machine: . Inland Marine - no restriction on value. An exception to the exclusion makes it clear that the insured still has coverage for actual construction or demolition operations. Excludes bodily injury and property damage arising out of rolling stock (rail cars) while track is being constructed or repaired. There are many endorsements addressing specific, common professional activities, such as medical professional. 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. Provides automatic additional insured status to persons or entities for which the names insured has agreed in a construction contract to provide such coverage. Kiehl's facial fuel transformer. 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. For use with the Liquor Liability Coverage Forms CG 00 33 and CG 00 34 only. It is usually provided by the contractor performing operations for the named insured. 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 for the CGL claims-made version. 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. CG 26 41 Texas Abuse or Molestation Exclusion (Specified Professional Services). blanket contractual liability, broad form endorsement, a construction management endorsement, products and completed operations, personal and advertising liability, with per location limits of not less than $2,000,000 general aggregate and . The general aggregate is the maximum amount of money a liability insurance policy will pay in a given policy term. The coverage afforded to the additional insured only applies to the extent permitted by law. This endorsement was withdrawn from use in 2013. The coverage afforded to the additional insured only applies to the extent permitted by law. 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 A provides liability protection for bodily injury to independent contractors and their employees. blanket schedule. This endorsement was withdrawn from use in 2013. Cleanup costs are still excluded. On This Page Additional Information 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 these hazards at all locations and operations, except those specified in the endorsement. Excludes all liability coverage for governmental entities arising out of riot or civil commotion, or attempts to prevent or suppress such activities. See Commentary in the Policy Guide. Applies only to the professional services described in the endorsement. Excludes all liability for the product designated on the endorsement. 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 BI or PD arising out of the actual or alleged transmission of a communicable disease. As an alternative, insurers use a blanket endorsement. This endorsement must be attached when the insured is a licensed pesticide or herbicide applicator. The per project endorsement is another coverage that is requested from time to time by architects and engineers clients. S2803-CG (7/07) Total General Aggregate Limit Per Project (s) - General Aggregate Limit S2806-CG (6/07) Exclusion - Unfenced Salvage Operations S2809- CG (8/07) Warranty Endorsement - Insurance and Indemnity Required of Contractors or Subcontractors Working on Your Behalf S2811-CG (7/07) Limited Coverage - Lost Key Expenses 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. Also excluded is the costs of "reducing any property" to physical possession above the surface of the ground, as might be required following a well blowout. 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. Adds members, trustees and clergymen as additional insureds for liability arising out of church activities. CG 28 33 Pollution Liability - Voluntary Cleanup Costs Reimbursement. Excludes liability arising out of the products and professional services of the named risks. Eliminates the $50,000 of legal liability coverage for negligent damage to rented premises. (See CG 21 44). Perhaps a project will last 15 months, so . 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. GL Endorsements: 1. Adds a designated person or organization (a vendor) as an additional insured to a manufacturer's or distributor's policy to protect them for liability arising out of sale or distribution of the named insured's products. 2. Enter your official contact and identification details. Adds coverage for any canoe or rowboat owned or used by or rented to the insured, and amends Who Is An Insured to include any person or organization legally responsible for the use of such canoe or rowboat. Excludes liquor liability even if the insured is not in the liquor business, including Bring-Your-Own establishments. 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. A "Per Project" aggregate means the insurer will pay the same $2M for all claims that occur from any specific project. This exposure should be insured on a Business Auto Policy. Project Aggregates for Both Primary and Excess Coverage Insurance policies have something that is referred to as aggregates. See CG 32 09 for Texas-approved form. 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. Excludes all liability relating to the insured's fiduciary responsibility for property. The limited form does not cover the cost of site cleanup. Excludes the professional liability exposure of medical or diagnostic testing facilities. 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. Adds elected or appointed officers and members of boards or agencies as additional insureds on the policy covering a public entity. Excludes the professional exposures of testing and consulting firms. Adds unmanned aircraft exclusion to the Owners and Contractors Protective Liability Coverage Part. The company agrees that they will not use charitable immunity as a defense in claims against the insured. 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. 5 commonly requested endorsements for contractors | State Auto 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. Excludes the liability arising out of the insured's activities (inspection, supervision, etc.) This endorsement was withdrawn from use in 2012, but reinstated in 2013. 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. Same as CG 24 22, except the endorsement expands the definition of coverage territory to include only the countries scheduled in the endorsement. Additional Insured Endorsements Specified & Blanket AI for Ongoing Ops Specified & Blanket AI for Completed Ops Primary & Non-Contributory (Other Insurance Clause) Specified & Blanket Waiver of Subrogation Per Project Aggregate (Capped at $5MM) Third Party Cancellation Notification: The City of Tucson is seeking qualified consultant support for the planning and design of HAWK Signals. a. NY & IL: $2,000,000 per occurrence and $4,000,000 aggregate. CG 33 95 Texas Additional Insured - Owners, Lessees, or Contractors - Scheduled Person or Organization. This is usually used by contractors and companies that do project related work since they work on many different projects. Medical payments coverage for these individuals is excluded in the basic policy. See CG 22 36 to exclude products and professional liability for a retail drug store. CG 25 14 Designated Location(s) Aggregate Limit. 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. 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. - Please confirm on the certificate or by uploading endorsement(s) that Waiver of Subrogation applies to this policy. 123 Main St - Contents: $500,000. Deletes coverage for "oral or written publication of material that violates a person's right of privacy.". 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 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 . It's free to sign up and bid on jobs. CG 28 07 Principal's Protective Liability Coverage Part. There is no exception for liability assumed under an insured contract. As for the "per project" basis, the general aggregate limit will apply to each project that the policyholder works on. Frequently, the "Per Project" endorsement requires that each separate project be listed by name. (See CG 22 74). ", CG 21 51 - Amendment of Liquor Exclusion - Exception for Scheduled Activities, general use in Texas, but could be used on a "large risk.". Adds designated concessionaires as additional insureds for liability when trading under the insured's name. Must be attached to policies insuring churches. This endorsement is not approved in Texas. Excludes liability arising out of those services named on the endorsement, such as cosmetic massage, optometrical, and others. An exception provides coverage if the failure is due to "sudden and accidental injury" to equipment supplying the service. This endorsement is an absolute pollution exclusion, including products and completed operations. 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. Used as an alternative to mandatory endorsement CG 21 06 to add coverage for property damage to electronic data when such damage arises out of physical injury to tangible property, subject to a separate limit. See CG 21 49 above. Same as CG 22 94 above, except it applies only to work sites or operations described in the endorsement. See technical report Additional Insureds and Contractual Liability - 2004 Endorsements and Revisions in 2012 and 2013. Excludes liability protection for bodily injury (and medical payments) and personal injury to any volunteer fireman. 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. 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. It provides for an extended reporting time for claims arising out of occurrences covered by the policy. 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