123 Main St - Contents: $500,000. Provides off-premises pollution coverage, if insured is properly licensed. While Coverage A has always excluded bodily injury to employees, this optional endorsement clarifies that no coverage is provided for bodily injury arising out of employment practices, whether the claimant is an employee or not. Waiver of Subrogation endorsement in favor of City of Carson. Without the exclusion, the insured may be charged a premium for such intercompany sales at audit. Adds the interest of the owner of equipment to a policy covering the named insured who leased the equipment. A blanket additional insured endorsement may be available for with your insurance company. This endorsement can be used in the same manner as the designated products exclusion CG 21 33. Under our policy, the aggregate is three times the per event limit. It is usually provided by the contractor performing the operations. 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. CG 32 09 Texas Changes - Nonbinding Arbitration. Obligates the insurer to provide notice to a person or organization named in the endorsement in the event of cancellation or material change that reduces or restricts the insurance. Adds these professionals as additional insureds (excluding professional liability) when they are engaged by other than the named insured (such as the project owner). This form can be modified with endorsement CG 28 07 to apply to any principal's liability for the acts of agents. Does not cover liability arising out of the townhouse owner's individual property. 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. Required on all policies. GL Endorsements: 1. See CG 24 27. Contains the same provisions as CG 22 71 except medical payments to students is covered. 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. Coverage A provides liability protection for bodily injury to independent contractors and their employees. a. NY & IL: $2,000,000 per occurrence and $4,000,000 aggregate. 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. Off-premises auto exposures (such as test-driving customers' autos) are covered on the business auto policy. Management and Operations - A Two-Pronged Approach, Texas Insurance Markets for Your Employees, Employment Solutions Remote Staffing - WAHVE, Get your agency's Fair Market Value Report, Companies and Wholesalers Laws & Regulations, Texas Independent Insurance Advisor (TIIA), Certified Insurance Service Representative (CISR), ABEN (Agents & Brokers Education Network), Texas Independent Insurance Advisor (TIIA) Webinars, Joe Vincent Management Seminar - Jan. 29-31, 2023, Andr P. Juneau ELITExan of the Year Award, CG 00 01 Commercial General Liability Coverage Form (Occurrence Version), CG 00 02 Commercial General Liability Coverage Form (Claims-Made Version, CG 00 09 Owners and Contractors Protective Liability, CG 00 33 Liquor Liability (Occurrence Version), CG 00 34 Liquor Liability (Claims-Made Version), CG 00 37 Products/Completed Operations Liability (Occurrence Version), CG 00 38 Products/Completed Operations Liability (Claims-Made Version), CG 00 39 Pollution Liability Coverage Form Designated Sites, CG 00 40 Pollution Liability Limited Coverage Form Designated Sites, CG 00 65 Electronic Data Liability Coverage Form, CG 00 66 Product Withdrawal Coverage Form, CG 00 68 Recording and Distribution of Material or Information in Violation of Law Exclusion, CG 01 01 Texas Changes - Airport Liability, CG 01 03 Texas Changes - Conditions Requiring Notice, CG 01 13 Texas Changes - Experience Rating Modification, CG 01 36 Texas Changes - Your Right to Claim and Occurrence Information, CG 01 37 Texas Changes - Your Right to Claim and Injury Information, CG 01 38 Texas Changes - Your Right to Claim and Occurrence Information, CG 01 56 Texas Changes - Pesticide or Herbicide Applicator Coverage, CG 01 69 Texas - Excess Loss Premium Factors, CG 02 05 Amendment of Cancellation Provisions or Coverage Change, CG 02 24 Earlier Notice of Cancellation By Us, CG 03 00 Deductible Liability Insurance (For Use With CGL and Products Policies), CG 03 05 Deductible Liability Insurance (For Use With Liquor Policies), CG 04 22 Pollution Liability Coverage Extension, CG 04 24 Coverage for Injury to Leased Workers, CG 04 28 Pollution Exclusion - Named Peril Limited Exception for a Short-term Pollution Event, CG 04 29 Pollution Exclusion - Limited Exception for a Short-term Pollution Event, CG 04 30 Pollution Exclusion - Limited Exception for Designated Pollutant(s), CG 04 31 Year 2000 Computer-Related and Other Electronic Problems - Limited Coverage Options, CG 04 35 Employee Benefit Liability Coverage, CG 04 49 Texas Changes - Limited Product Withdrawal Expense Endorsement, CG 20 01 Primary and Noncontributory - Other Insurance Condition, CG 20 03 Additional Insured - Concessionaires Trading Under Your Name, CG 20 04 Additional Insured - Condominium Unit-Owners, CG 20 05 Additional Insured - Controlling Interest, CG 20 07 Additional Insured - Engineers, Architects or Surveyors, CG 20 08 Additional Insured - Users of Golfmobiles, CG 20 10 Additional Insured - Owners, Lessees, or Contractors - Scheduled Person or Organization, CG 20 11 Additional Insured - Managers or Lessors of Premises, CG 20 12 Additional Insured - State or Governmental Agency or Subdivision or Political Subdivision - Permits or Authorizations, CG 20 13 Additional Insured - State or Governmental Agency or Political Subdivision or Political Subdivision - Permits or Authorizations Relating To Premises, CG 20 14 Additional Insured - Users of Teams, Draft or Saddle Animals, CG 20 17 Additional Insured - Townhouse Associations, CG 20 18 Additional Insured - Mortgagee, Assignee, or Receiver, CG 20 20 Additional Insured - Charitable Institutions, CG 20 22 Additional Insured - Church Members and Officers, CG 20 24 Additional Insured - Owners or Other Interests From Whom Land Has Been Leased, CG 20 25 Additional Insured - Elective or Appointive Executive Officers of Public Corporations, CG 20 26 Additional Insured - Designated Person or Organization, CG 20 27 Additional Insured - Co-Owners of Premises, CG 20 28 Additional Insured - Lessor of Leased Equipment, CG 20 29 Additional Insured - Grantor of Franchise, CG 20 30 Oil or Gas Operations - Non Operating Working Interests, CG 20 31 Additional Insured - Engineers, Architects or Surveyors, CG 20 32 Additional Insured - Engineers, Architects or Surveyors Not Engaged by the Named Insured, CG 20 33 Additional Insured - Owners, Lessees or Contractors - Automatic Status When Required in Construction Agreement with You, CG 20 34 Additional Insured - Lessor of Leased Equipment - Automatic Status When Required in Lease Agreement with You, CG 20 35 Additional Insured Grantor of Licenses Automatic Status When Required By Licensor, CG 20 36 Additional Insured Grantor of License, CG 20 37 Additional Insured Owners, Lessees Or Contractors Completed Operations, CG 20 38 Additional Insured Owners, Lessees or Contractors Automatic Status for Other Parties When Required in Construction Agreement, CG 21 00 Exclusion - All Hazards In Connection With A Designated Premises, CG 21 01 - Exclusion - Athletic or Sports Participants, CG 21 04 - Exclusion - Products/Completed Operations Hazard, CG 21 06 Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability - With Limited Bodily Injury Exception, CG 21 07 Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability - Limited Bodily Injury Exception Not Included, CG 21 08 Exclusion - Access or Disclosure of Confidential or Personal Information (Coverage B Only), CG 21 10 Exclusion - Unmanned Aircraft (Coverage A Only), CG 21 11 - Exclusion - Unmanned Aircraft (Coverage B Only), CG 21 16 - Exclusion - Designated Professional Services, CG 21 17 - Exclusion - Movement of Buildings or Structures, CG 21 31 - Limited Exclusion - Designated Operations Coverage by a Consolidated (Wrap-Up) Insurance Program, CG 21 32 - Communicable Disease Exclusion, CG 21 33 - Exclusion - Designated Products, CG 21 35 - Exclusion - Coverage C - Medical Payments, CG 21 37 - Exclusion - Employees and Volunteer Workers as Insureds, CG 21 38 - Exclusion - Personal and Advertising Injury, CG 21 39 - Contractual Liability Limitation, CG 21 41 - Exclusion - Intercompany Products Suits, CG 21 42 - Exclusion - Explosion, Collapse and Underground Property Damage (Specified Operations), CG 21 43 - Exclusion - Explosion, Collapse, Underground Property Damage (Specified Operations Excepted), CG 21 44 - Limitation of Coverage To Designated Premises, Project or Operations, CG 21 45 - Exclusion - Damages to Premises Rented to You, CG 21 52 - Exclusion - Financial Services, CG 21 53 - Exclusion - Designated Ongoing Operations, CG 21 54 - Exclusion - Designated Operations Covered by a Consolidated (Wrap-Up) Insurance Program, CG 21 57 - Exclusion - Counseling Services, CG 21 58 - Exclusion - Professional Veterinary Services, CG 21 59 - Exclusion - Diagnostic Testing Laboratories, CG 21 60 - Exclusion - Year 2000 Computer - Related and other Electronic Problems, CG 21 61 - Exclusion - Year 2000 Computer - Related and Other Electronic Problems - Products/Completed Operations, CG 21 62 - Exclusion - Year 2000 Computer - Related and Other Electronic Problems - With Exception for Bodily Injury on Your Premises, CG 21 63 - Year 2000 Computer - Related and Other Electronic Problems - Exclusion of Specified Coverages for Designated Locations, Operations, Products or Services, CG 21 64 - Year 2000 Computer - Related and Other Electronic Problems - Exclusion of Specified Coverages for Designated Products or Completed Operations, CG 21 86 - Exclusion Exterior Insulation and Finish Systems, CG 21 96 - Silica or Silica-Based Dust Exclusion, CG 22 24 Exclusion - Inspection, Appraisal and Survey Companies, CG 22 27 Exclusion - Bodily Injury To Railroad Passengers, CG 22 31 Exclusion - Riot, Civil Commotion or Mob Action, CG 22 33 Exclusion - Testing or Consulting Errors & Omissions, CG 22 34 Exclusion - Construction Management Errors & Omissions, CG 22 36 Exclusion - Products and Professional Services (Druggists), CG 22 37 Exclusion - Products and Professional Services (Optical and Hearing Aid Establishments), CG 22 38 Exclusion - Financial Institutions, CG 22 40 Exclusion - Medical Payments To Children (Day Care Centers), CG 22 42 Exclusion - Existence or Maintenance of Streets, Roads, Highways or Bridges, CG 22 43 Exclusion - Engineers, Architects or Surveyors Professional Liability, CG 22 44 Exclusion - Health or Cosmetic Services, CG 22 45 Exclusion - Specified Health or Cosmetic Services, CG 22 46 Exclusion - Rolling Stock - Railroad Construction, CG 22 47 Exclusion - Saline Substances Contamination, CG 22 48 Exclusion - Insurance and Related Operations, CG 22 51 Exclusion - Law Enforcement Activities, CG 22 52 Exclusion - Medical Payments (Inmates, Patients or Prisoners), CG 22 53 Exclusion - Laundry and Dry Cleaning Damage, CG 22 54 Exclusion - Logging and Lumbering, CG 22 56 Exclusion - Injury To Volunteer Firemen, CG 22 57 Exclusion - Underground Resources and Equipment, CG 22 58 Exclusion - Described Hazards (Carnivals, Circuses and Fairs), CG 22 60 Limitation of Coverage - Real Estate Operations, CG 22 62 Underground Resources and Equipment Coverage, CG 22 63 Stevedoring Operations (Limited Completed Operations Coverage), CG 22 65 Optical and Hearing Aid Establishments, CG 22 66 Misdelivery of Liquid Products Coverage, CG 22 68 Operation of Customers' Autos on Particular Premises, CG 22 71 Colleges or Schools (Limited Form), CG 22 73 Exclusion - Oil or Gas Producing Operations, CG 22 74 Limited Contractual Liability Coverage for Personal and Advertising Injury, CG 22 75 Professional Liability Exclusion - Computer Software, CG 22 76 Professional Liability Exclusion - Health or Exercise Clubs, CG 22 77 Professional Liability Exclusion - Electronic Data Processing, CG 22 79 Exclusion - Contractors - Professional Liability, CG 22 80 Limited Exclusion - Contractors - Professional Liability, CG 22 81 Exclusion - Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate - Seed Merchants, CG 22 87 Exclusion - Adult Day Care Centers, CG 22 88 Professional Liability Exclusion - Electronic Data Processing Services and Computer Consulting or Programming Services, CG 22 90 Professional Liability Exclusion - Spas or Personal Enhancement Facilities, CG 22 91 Exclusion - Telecommunications Equipment or Service Providers Errors and Omissions, CG 22 93 Lawn Care Services Limited Pollution Coverage, CG 22 94 Exclusion Damage To Work Performed By Subcontractors On Your Behalf, "Full Circle Regression: The New ISO Your Work Endorsements. $2,000,000 general aggregate. Adds unit-owners as additional insureds for liability arising out of common areas. . Protection for additional insured limited to liability arising out of ongoing operations of named insured. Legal Liability and Borrowed Equipment - 30 Days Notice of Cancellation Required. Modifies the intentional injury exclusion (a) of Coverage A so that it does not apply to corporal punishment of a student by or at the direction of the insured. Primary and Non-contributory endorsement. A "Per Project" aggregate means the insurer will pay the same $2M for all claims that occur from any specific project. Coverage for an occurrence which results in 3rd party's BI and/or PD. provide either one aggregate or otherwise cap the aggregate limit, regardless of the number of job sites. 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 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. Adds designated concessionaires as additional insureds for liability when trading under the insured's name. 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. Adds the interest of the owner of equipment to a policy covering the named insured who leased the equipment. 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. Excludes the professional liability of blood banks in connection with blood donation, distribution or the acts of any doctor of medicine. Vicats vica and milla best moments compilation 2 Paynawa mangan sindi. The City of Tucson is seeking qualified consultant support for the planning and design of HAWK Signals. This endorsement modifies the pollution exclusion so that coverage is afforded for off-premises pollution accidents involving fuels or lubricants brought to a job site by a contractor. CG 24 25 provides coverage for fungi or mold with a sublimit. 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. 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. Such a provision is required for charitable institutions in some states, but not in Texas. The land so leased must be designated on the endorsement. Excludes bodily injury and property damage arising out of rolling stock (rail cars) while track is being constructed or repaired. Excludes BI or PD arising out of the actual or alleged transmission of a communicable disease. Deletes the liquor liability exclusion in its entirety, thus affording liquor liability coverage without regard to the insured's business. Provides reimbursement for expenses incurred because of a covered product withdrawal, subject to an aggregate limit and deductible shown in the endorsement. Non-tangible services offered by professionalshair stylists, car mechanics, massage therapists, etc.are businesses in need of insurance. 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. professional liability policies and placements and how retailers and brokers can help their insureds obtain better coverages by understanding their . Remove blanket and form bend by hand. CG 25 04 Designated Location(s) General Aggregate Limit. . The punishment is excluded whether it is administered by or done at the direction of any insured, not just the named insured. Details. 2. The deductible, if any, may not exceed $5,000.00 per occurrence. Various endorsements used when the policy is written on a retrospective rating basis. 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. It provides for an extended reporting time for claims arising out of occurrences covered by the policy. Not approved for general use in Texas, but may be used on large risks or on surplus lines policies. Sex offenders in my area watchdog by zip. See CG 33 95 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. 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. See endorsement CG 21 31 for an alternative. Re dating your ex. Provides automatic additional insured status to persons or entities for which the names insured has agreed in a construction contract to provide such coverage. Excludes property damage to underground resources (oil, gas, water) and equipment (drilling equipment) in the insured's drilling operation. 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. Same as CG 24 22, except the endorsement expands the definition of coverage territory to anywhere in the world except countries scheduled in the endorsement. as a construction manager. This endorsement has no effect on bodily injury liability coverage. Excludes bodily injury or personal injury arising out of employment practices of the insured. Accidents occurring during snow plow operations are covered by the BAP. Excludes all liability arising out of fungi (including mold) or bacteria, including the costs of remediation. CG 28 02 Insured Site Definition (Contractors). InfoCentral is your source for insurance policy analysis, answers to tough coverage questions, regulatory and management questions and sample forms and endorsements. This endorsement was withdrawn from use in 2012 but reinstated in 2013. Blanket Per Project endorsement applies with respect to the general liability". It does this by adding a policy endorsement (an amendment to the existing policy). Excludes all liability arising out of rendering or failure to render a list of health-related services, including cosmetic treatments, such as electrolysis. Like endorsement CG 21 06, this endorsement excludes damages arising out of access to or disclosure of confidential or personal information. Wrap blanket around, secure with hook and loop strap. Not approved for general use in Texas, but could be used on a "large risk." Height limitations. 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. PNC endorsement Fill in the Blank: A is sent to the insured to collect additional information regarding business operations as it relates to the industry. See CG 21 49 above. Used with Owners and Contractors Protective Coverage Form. This endorsement makes the CGL of a real estate management firm excess over coverage provided by the property owner's CGL. Applies the aggregate limit separately to each location specified in the endorsement. Must be attached when condominium associations are insured. Same as CG 24 17 except the coverage does not apply to the sole negligence of the indemnified railroad. Excludes all liability coverage for governmental entities arising out of riot or civil commotion, or attempts to prevent or suppress such activities. Frequently, the "Per Project" endorsement requires that each separate project be listed by name. Action over exclusion, hammer clause. See CG 33 91 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. It provides coverage similar to the CGL claims-made coverage part. 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 Broad form endorsement offered at no additional cost; helps protect . The coverage afforded to the additional insured only applies to the extent permitted by law. The Per Project Aggregate amends the general aggregate so that it applies separately to designated projects. nmC //nsu Submit by Email Print Form -"1/1 nl// Who Mc/hvwc/c (WI/' Whnu Protection is afforded only for liability arising out of the named insured's maintenance, operation or use of the equipment. blanket schedule. Enter your official contact and identification details. 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 . Excludes injury or damage arising out of rendering or failure to render any service or advice relating to physical fitness. Only the "professional" exposure of construction management, and that of any architect, engineer or surveyor is excluded. This is an absolute exclusion of all exposures arising out of the Year 2000 problem. Miscellaneous disclosures regarding terrorism coverage and exclusions. Includes elected or appointed officials and members of boards or commissions as insureds under the policy of governmental entity. This endorsement was withdrawn from use in 2013. 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. A separate Designated Construction Project General Aggregate Limit applies to each des-ignated construction project, and that limit is equal to the amount of the Other Than Prod-ucts/Completed Operations Aggregate Limit shown in the Declarations. . Kayla's old fat creampie xxx girl licks man. 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 all liability arising out of the products and completed operations hazards. Modifies the policy to provide coverage needed for airports. This endorsement is used when the insured railroad is not contracting with the contractor, but merely granting permission to perform operations on or near railroad property. This will provide for the full amount of your per occuerence limit to that project. Excludes "errors and omissions" type liability exposure for insurance companies, agents/brokers, and service organizations. Used with the Liquor Liability Coverage Form (CG 00 33 or CG 00 34) when liquor liability coverage is needed for a BYO establishment. 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. Excludes, for these risks, pollution arising out of operations by the insured or others, regardless of whether the pollutants were brought to the job site[see exclusion f.(1)(d)]. The fact that corporal punishment may be administered in a proper and legal manner has no bearing on the exclusion. 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 . See CG 22 96 for an alternative to this absolute exclusion for lawyers. This endorsement provides coverage to the additional insured on the same basis as the CG 20 10. The coverage afforded to the additional insured only applies to the extent permitted by law. IL 00 21 - Nuclear Energy Liability Exclusion Endorsement (Broad Form). The contractual assumption must relate to the perils of false arrest, detention or imprisonment. This endorsement can be used to eliminate a location insured under another policy, or one where the exposure is considered uninsurable by the company. 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 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. Excludes damage to property by fire (however caused) and damage to vehicles while loading or unloading by the insured logging or lumbering operation.
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