Excludes these hazards at all locations and operations, except those specified in the endorsement. Excludes bodily injury or personal injury arising out of employment practices of the insured. . This endorsement is used with auto service risks insured on a CGL, such as car washes, repair shops and tire dealers. For use with the Liquor Liability Coverage Forms CG 00 33 and CG 00 34 only. Kayla's old fat creampie xxx girl licks man. This endorsement extends coverage under Pollution Liability coverage form, CG 00 39, to include expenses associated with voluntary cleanup of a pollution discharge, if done to prevent damage. See technical report Drones. CG 28 07 Principal's Protective Liability Coverage Part. See Commentary in the Policy Guide. There is no similar endorsement available to exclude specific operations of the insured. CG 32 08 Texas Changes - Binding Arbitration. The Designated Construction Project General Aggregate Limit is the most we will pay for the This endorsement was withdrawn from use in 2013. Adds the interest of the owner of equipment to a policy covering the named insured who leased the equipment. 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. 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. 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. 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. This will provide for the full amount of your per occuerence limit to that project. Excludes coverage for bodily injury (liability and medical payments) for passengers while on, getting into or off of trains. 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 afforded to the additional insured only applies to the extent permitted by law. Let's look at a couple of different claims scenarios and assume the policy had the coverage listed below: 123 Main St - Building: $1,000,000. 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. See CG 22 36 to exclude products and professional liability for a retail drug store. Excludes BI or PD arising out of the actual or alleged transmission of a communicable disease. The operations to which the endorsement applies must be shown on the endorsement or the schedule of classifications. Excludes bodily injury to any person practicing for or participating in any sports or athletic contest sponsored by the insured. Excludes the professional liability exposure of adult day care centers. a. NY & IL: $2,000,000 per occurrence and $4,000,000 aggregate. 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. We do not intend our use or display of other companies' trade names or trademarks to imply an endorsement or sponsorship of us by such companies, or any relationship with any of these companies. CG 24 25 provides coverage for fungi or mold with a sublimit. CG 28 02 Insured Site Definition (Contractors). The Designated Location General Aggregate Limit is the most we will pay for the sum of all damages under Paragraph . Extends coverage to include BI or PD arising out of the operation of a customer's auto on the insured's premises for purposes other than parking, which is already covered by exception to the auto liability exclusion. This endorsement was withdrawn from use in 2013. THIS ENDORSEMENT CHANGES THE POLICY. Applies to all services covered on the policy. As an alternative, insurers use a blanket endorsement. 456 Market St - Building: $2,000,000. Excludes liability arising out of the products and professional services of the named risks. The insured is also obligated to take necessary measures, at his own expense, to bring a well under control to minimize property damage. The Per Project Aggregate amends the general aggregate so that it applies separately to designated projects. See CG 33 90 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. Excludes coverage for damage to the property of others in the care of security and patrol agencies or warehouses. A "per claim" deductible would be applied to each claim arising out of one occurrence. Applies only to the professional services described in the endorsement. See technical report Additional Insureds and Contractual Liability - 2004 Endorsements and Revisions in 2012 and 2013. Same as above, except applies only to permits relating to premises use, such as the erection of a sign. 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. This endorsement was withdrawn from use in 2012 but reinstated in 2013. 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 . Excludes liability coverage arising out of actual or threatened abuse or molestation of a person in the custody of any insured or employee. This endorsement can be used to add any interest to the policy, subject to company approval. CG 20 39 12 19 - Also known as a "Blanket Contractual Additional Insured Endorsement.". IL 09 85 through IL 09 99 - Terrorism Endorsements. 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. Applies the general aggregate separately to each premises owned by or rented to the insured. Adds the interest of the owner of land to the tenant's policy. 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 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. 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. All other states: $1,000,000 per occurrence and $2,000,000 aggregate. Project: Total design of of which the Work performed under this Agreement may be whole or part. It provides coverage similar to the CGL claims-made coverage part. CG 33 94 Texas Additional Insured Owners, Lessees Or Contractors Completed Operations. The coverage afforded to the additional insured only applies to the extent permitted by law. Not approved for general use in Texas. This is an absolute exclusion of all exposures arising out of the Year 2000 problem. 2. CG 26 39 Texas Changes - Employment-Related Practices Exclusion. Affords claims-made liability protection for the liquor legal liability of a risk engaged in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. The general aggregate is the maximum amount of money a liability insurance policy will pay in a given policy term. 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 these professionals as additional insureds (excluding professional liability) when they are engaged by other than the named insured (such as the project owner). CG 25 04 Designated Location(s) General Aggregate Limit. Allows for the arbitration of disputes between the company and the insured, with the arbitrator's decision being binding on the parties. This endorsement provides coverage to the additional insured on the same basis as the CG 20 10. A claim paid for damages arising out of one project would not affect the aggregate at other projects of the insured. CG 32 09 Texas Changes - Nonbinding Arbitration. 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. Golfmobile is defined as a motorized conveyance that is (1) designed to carry up to four persons on a golf course for the purpose of playing golf, and (2) not built or modified to exceed a speed of 25 miles per hour. Provides malpractice insurance for optometrists and hearing aid establishments. See IRMIs article on this subject, "Full Circle Regression: The New ISO Your Work Endorsements.". 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. Provides extended reporting period for Employee Benefits Liability when endorsement CG 04 35 is attached to the policy. Protection is afforded only for liability arising out of the named insured's maintenance, operation or use of the equipment. See CG 26 39 for the appropriate Texas form. Excludes property damage to underground resources (oil, gas, water) and equipment (drilling equipment) in the insured's drilling operation. A "Per Project" aggregate means the insurer will pay the same $2M for all claims that occur from any specific project. 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 . Adds the designated interest as an additional insured to a policy covering the named insured's property. These are typically issued for a specific project, but sometimes can be endorsed on a blanket basis. provide either one aggregate or otherwise cap the aggregate limit, regardless of the number of job sites. This endorsement was withdrawn from use in 2012 but reinstated in 2013. Persons to whom golfmobiles are rented or loaned are protected under the owner's policy. 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