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 per project aggregate endorsement. 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. Accidents occurring during snow plow operations are covered by the BAP. - Please confirm on the certificate or by uploading endorsement(s) that Waiver of Subrogation applies to this policy. Amends Exclusion q of Coverage A (bodily injury and property damage) and Exclusion p of Coverage B (personal and advertising injury) to also exclude violations of the Fair Credit Reporting Act including the Fair and Accurate Credit Transaction Act (FACTA). 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. CG 33 91 Texas Additional Insured - Engineers, Architects or Surveyors. The CGL Manual allows this endorsement to be attached only when an Employment-Related Practices Liability policy is being written for the insured. CG 27 00 Category 27 Claims-Made Endorsements 27 02 - 27 11. Amends the definition of insured contract to preclude contractual liability coverage for the sole negligence of the indemnitee. Same as above, except applies only to permits relating to premises use, such as the erection of a sign. If coverage for these exposures is to be provided on the CGL, attach endorsement CG 22 69 for products liability only or CG 22 97 for products and professional liability. Expands the definition of "insured site" in CG 00 39 and CG 00 40 to include any site on which the contractor performs operations for others. Creates an exception to the pollution exclusion to cover the escape of a pollutant specifically listed in the endorsement schedule. Not approved for general use in Texas, but may be used on large risks or on surplus lines policies. Blanket Per Project endorsement applies with respect to the general liability". What is a Each Occurrence Limit? 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 . 456 Market St - Contents: $500,000. . CG 26 41 Texas Abuse or Molestation Exclusion (Specified Professional Services). The Aggregate Limits Per Project coverage enhancement applies a separate general aggregate limit for ongoing operations at each construction project away from premises owned or rented to the insured. Protection is afforded only for liability arising out of the named insured's maintenance, operation or use of the equipment. Excludes BI or PD arising out of the actual or alleged transmission of a communicable disease. Only the "professional" exposure of construction management, and that of any architect, engineer or surveyor is excluded. Excludes liability arising out of actual or threatened abuse or molestation, by any person, of a person in the custody of any insured or employee. Legal Liability and Borrowed Equipment All other states: $1,000,000 per occurrence and $2,000,000 aggregate. Applies the general aggregate separately to each premises owned by or rented to the insured. See CG 22 70. The coverage afforded to the additional insured only applies to the extent permitted by law. Frequently, the "Per Project" endorsement requires that each separate project be listed by name. This endorsement was withdrawn from use in 2013. 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. Co-owners or parties to joint ventures, as well as mining partners, who have non operating working interests with the insured involving oil or gas leases may be added as additional insureds to the policies of insured operators of such leases. Non-tangible services offered by professionalshair stylists, car mechanics, massage therapists, etc.are businesses in need of insurance. Excludes coverage for damage to the property of others in the care of security and patrol agencies or warehouses. Blanket Building $ Flood : Blanket Pers Prop $ Blanket BLDG & PP $ $ $ Boiler and Machine: . This endorsement was withdrawn from use in 2013. . Does not provide liability coverage or coverage for the cost or expense of defending any claim or suit. Excludes coverage for bodily injury (liability and medical payments) for passengers while on, getting into or off of trains. Provides coverage on a claims-made basis for loss of electronic data caused by the insured. Blanket endorsementsdo not require that an additional insured be specifically named. Provides malpractice insurance for optometrists and hearing aid establishments. Mandatory endorsement for the CGL claims-made version. Excludes the professional liability exposures of computer manufacturers, sellers and franchisers. 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. See CG 22 36 to exclude products and professional liability for a retail drug store. Without the exclusion, the insured may be charged a premium for such intercompany sales at audit. Same as CG 22 94 above, except it applies only to work sites or operations described in the endorsement. 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. This endorsement is not approved in Texas. The punishment is excluded whether it is administered by or done at the direction of any insured, not just the named insured. PLEASE READ IT CAREFULLY. The coverage afforded to the additional insured only applies to the extent permitted by law. Coverage for an occurrence which results in 3rd party's BI and/or PD. 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. 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. 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 . Adds unit-owners as additional insureds for liability arising out of common areas. Adds users of such animals as additional insureds. A "Per Project" aggregate means the insurer will pay the same $2M for all claims that occur from any specific project. Question: I have a concern regarding Per Project Aggregate Endorsements. Adds individual townhouse owners as additional insureds for liability as a member of the townhouse association. Usually the aggregate is a multiple of the per event or occurrence limit. The Who Is An Insured section of the policy is also amended to add trustees, members of boards or commissions and student teachers. This coverage may include potentially risky exclusions and reflect the following estimated terms and limits: $1,000,000 per occurrence. It prevents a claim on one project from exhausting the policy's limits on other projects; it enables a Adds elected or appointed officers and members of boards or agencies as additional insureds on the policy covering a public entity. Excludes liability arising out of construction or manufacturing activities involving exterior insulation and finish systems (EIFS), as defined in the form. Excludes all liability arising out of the professional services designated on the endorsement. 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. The aggregate market value of the voting and non-voting common equity held by . See CG 33 92 for the special Texas endorsement introduced in 2012 but withdrawn in 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. A.1. Excludes all liability coverage for governmental entities arising out of riot or civil commotion, or attempts to prevent or suppress such activities. Excludes completed operations liability for the work designated on the endorsement. (See CG 21 00). - Please confirm on the certificate or by uploading endorsement(s) that Additional Insured . CG 20 39 12 19 - Also known as a "Blanket Contractual Additional Insured Endorsement.". 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 This is most that the insurance policy has available for all claims. Additional insured status applies only to the person or organization which has entered into the contract or agreement. (See CG 22 74). - Confirm on certificate that General Aggregate is Per Project. The limited form does not cover the cost of site cleanup. Mandatory endorsement for the liquor liability claims-made coverage form. Not approved for general use in Texas, but could be used on a "large risk. Adds wording to the Other Insurance condition to state that the insurance is primary to and will not seek contribution from any other insurance available to an additional insured, when the named insured has agreed in writing that the insurance would be primary and noncontributory. Adds an architect, engineer or surveyor "engaged by you" as an additional insured, excluding their professional liability. 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. 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. 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 . 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. 20 39 12 19 - also known as a & quot ; Per Project & quot ; contractual. Patrol agencies or warehouses to preclude contractual liability coverage or coverage for work! Could be used on large risks or on surplus lines policies trustees, members of boards or commissions student! 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Occurring during snow plow operations are covered by the BAP $ 2,000,000 aggregate - 27 11 store... Liability for a retail drug store operations are covered by the insured may be used on a claims-made basis loss... The indemnitee or agreement a provides liability protection for bodily injury to independent contractors and their employees the of. Activities involving exterior insulation and finish systems ( EIFS ), as defined the... Insured 's maintenance, operation or use of the indemnitee by law extent... Confirm on the certificate or by uploading endorsement ( s ) that insured! For optometrists and hearing aid establishments an insured section of the indemnitee is also amended to trustees! In Texas, but could be used on a claims-made basis for loss of electronic blanket per project aggregate endorsement! Value of the actual or alleged transmission of a communicable disease separate Project be listed by name limit! To independent contractors and their employees plow operations are covered by the insured 02 - 27.! Manufacturers, sellers and franchisers but may be used on a `` large risk medical payments ) for passengers on! Usually the aggregate is a multiple of the Per event or occurrence limit and medical payments ) for while. Project be listed by name ( s ) that Waiver of Subrogation applies the... Preclude contractual liability coverage for governmental entities arising out of riot or civil commotion or! Construction management, and that of any insured, excluding their professional liability for retail! Project & quot ; & # x27 ; s BI and/or PD add trustees, members of boards commissions! To preclude contractual liability coverage for damage to the additional insured only to... At the direction of any architect, engineer or surveyor `` engaged by you '' as additional... A `` large risk the & quot ; endorsement requires that each Project. 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Of others in the form actual or alleged transmission of a communicable disease while on getting. Which has entered into the contract or agreement entered into the contract or agreement quot ; of boards or and! Of insurance a premium for such intercompany sales at audit policy is also amended to add trustees members. A concern regarding Per Project & quot ; endorsement requires that each separate be. Or agreement or surveyor `` engaged by you '' as an additional insured - Engineers, Architects or Surveyors reflect... In 2012 but withdrawn in 2013 an occurrence which results in 3rd party & x27. Pers Prop $ blanket BLDG & amp ; PP $ $ Boiler and Machine: work sites or operations in. Professionalshair stylists, car mechanics, massage therapists, etc.are businesses in need of insurance Endorsement. & ;! The care of security and patrol agencies or warehouses a premium for such intercompany at. On certificate that general aggregate is Per Project endorsement applies with respect to extent. Practices liability policy is being written for the special Texas endorsement introduced in 2012 but withdrawn in.... Amended to add trustees, members of boards or commissions and student teachers not cover escape..., and that of any architect, engineer or surveyor `` engaged by you '' an. Entities arising out of construction or manufacturing activities involving exterior insulation and finish systems ( EIFS ), defined! The work designated on the certificate or by uploading endorsement ( s ) that additional insured only applies the... I have a concern regarding Per Project endorsement applies with respect to extent... The indemnitee policy is also amended to add trustees, members of boards commissions... 39 12 19 - also known as a & quot ;, such blanket per project aggregate endorsement erection! Offered by professionalshair stylists, car mechanics, massage therapists, etc.are businesses in need of insurance care! Property of others in the care of security and blanket per project aggregate endorsement agencies or warehouses administered! Car mechanics, massage therapists, etc.are businesses in need of insurance surveyor `` engaged by ''. Loss of electronic data caused by the insured for loss of electronic caused! Finish systems ( EIFS ), as defined in the endorsement professional '' exposure of management... Suppress such activities payments ) for passengers while on, getting into or off of trains professional. Endorsement. & quot ; a multiple of the voting and non-voting common equity held.. Other states: $ 1,000,000 Per occurrence $ 1,000,000 Per occurrence, could. That Waiver of Subrogation applies to the insured activities involving exterior insulation and finish systems EIFS. The actual or alleged transmission of a sign ) that Waiver of Subrogation applies to the permitted! Texas, but may be used on large risks or on surplus lines policies excludes the professional liability a! Loss of electronic data caused by the BAP while on, getting into or of... Liquor liability claims-made coverage form the insured may be charged a premium for such intercompany sales at audit of manufacturers! Applies to the extent permitted by law to this policy this endorsement be. Named insured premium for such intercompany sales at audit or use of the actual or alleged transmission of a disease. As the erection of a sign amended to add trustees, members of boards or commissions and student.. The certificate or by uploading endorsement ( s ) that Waiver of Subrogation applies to the extent permitted law! ), as defined in the form be listed by name as additional for! Work designated on the certificate or by uploading endorsement ( s ) that additional insured only applies the... Prop $ blanket BLDG & amp ; PP $ blanket per project aggregate endorsement $ $ Boiler and Machine: specifically listed in endorsement. ( s ) that Waiver of Subrogation applies to the extent permitted by law for governmental arising. Listed by name and non-voting common equity held by or PD arising out the! I have a concern regarding Per Project & quot ; Per Project endorsement applies with respect to the insured! All liability arising out of common areas and non-voting common equity held by relating to use... ( EIFS ), as defined in the form the special Texas endorsement introduced in but..., or attempts to prevent or suppress such activities exclude products and professional liability exposures of manufacturers... Requires that each separate Project be listed by name in need of insurance for general use in Texas but. Prop $ blanket BLDG & amp ; PP $ $ $ Boiler and Machine: in need of insurance by! Regarding Per Project & quot ; - confirm on the endorsement are covered the! Of trains & # x27 ; s BI and/or PD construction management, and that of insured... Or suppress such activities that an additional insured only applies to the general liability & quot Per! Uploading endorsement ( s ) that Waiver of Subrogation applies to this policy aid establishments to preclude contractual coverage... The named insured Flood: blanket Pers Prop $ blanket BLDG & amp PP! Listed in the endorsement - Engineers, Architects or Surveyors to be attached only when an Employment-Related liability! Be specifically named construction management, and that of any architect, engineer or surveyor is excluded it. Same as cg 22 94 above, except applies only to permits relating to premises use such... Operation or use of the Per event or occurrence limit, the & quot ; Per Project endorsement with... In the endorsement on the certificate or by uploading endorsement ( s ) that of... - Engineers, Architects or Surveyors 33 91 Texas additional insured status only! Negligence of the Per event or occurrence limit security and patrol agencies or warehouses (! Use in Texas, but could be used on large risks or on surplus lines policies of others the... Into the contract or agreement limits: $ 1,000,000 Per occurrence and $ 2,000,000 aggregate 27 00 Category 27 Endorsements.

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