Texas uses a special endorsement for these risks. Coverage A provides liability protection for bodily injury to independent contractors and their employees. The punishment is excluded whether it is administered by or done at the direction of any insured, not just the named insured. The general aggregate is the maximum amount of money a liability insurance policy will pay in a given policy term. Applies the general aggregate separately to each premises owned by or rented to the insured. Non-tangible services offered by professionalshair stylists, car mechanics, massage therapists, etc.are businesses in need of insurance. On This Page Additional Information . The CGL Manual allows this endorsement to be attached only when an Employment-Related Practices Liability policy is being written for the insured. This endorsement can be used to eliminate a location insured under another policy, or one where the exposure is considered uninsurable by the company. Legal Liability and Borrowed Equipment Excludes the professional liability exposure of adult day care centers. Adds the designated interest as an additional insured to a policy covering the named insured's property. Excludes liability arising out of existing buildings when a housing authority acquires a site for construction of a housing project. The coverage afforded to the additional insured only applies to the extent permitted by law. This endorsement was withdrawn from use in 2012 but reinstated in 2013. 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. Excludes property damage arising out of failure of seeds to germinate, erroneous delivery of seed, or error in mechanical mixture of seed. Mandatory endorsement - modifies notice requirement such that failure to notify company of occurrence will not affect coverage, unless such failure prejudices insurer's rights or defense. 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. The coverage afforded to the additional insured only applies to the extent permitted by law. Requires the insurer to provide loss information to the insured within 30 days of nonrenewal or a request by the insured. Protection is afforded only for liability arising out of the named insured's maintenance, operation or use of the equipment. Adds a designated person or organization as an additional insured for liability arising out of the named insured's premises or operations. Height limitations. This endorsement should be used whenever there is a sale of products, usually components, between multiple named insureds, such as a parent and subsidiary. An exception to the exclusion makes it clear that the insured still has coverage for actual construction or demolition operations. supplemental application What does Coverage B provide an insured with? 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. Wrap blanket around, secure with hook and loop strap. Requires the insurer to provide loss information to the insured within 30 days of nonrenewal or a request by the insured. Provides coverage for incidental application of "over the counter" herbicides or pesticides on lawns under the insured's regular care. The coverage afforded to the additional insured only applies to the extent permitted by law. 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. It is usually provided by the contractor performing operations for the named insured. CG 28 33 Pollution Liability - Voluntary Cleanup Costs Reimbursement. Provides coverage for the pollution exposure accompanying the removal, replacement, repair, encapsulation or enclosure of hazardous materials. This endorsement can be used in the same manner as the designated products exclusion CG 21 33. Per policy aggregate is an absolute 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. Provides coverage for property damage to underground resources and equipment, establishing a special Aggregate limit for the coverage. Business Li- 123 Main St - Contents: $500,000. CG 33 90 Texas Changes - Amendment of Insured Contract DefinitionAmends the definition of insured contract to preclude contractual liability coverage for the sole negligence of the indemnitee. Blanket endorsementsdo not require that an additional insured be specifically named. See CG 33 90 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. See CG 24 27. As for the "per project" basis, the general aggregate limit will apply to each project that the policyholder works on. . Clarifies that completed operations coverage applies to delivery into the wrong receptacle or erroneous delivery of the wrong liquid. This endorsement is used when the company wants to avoid the entire products and completed operations exposure, or when all premises and operations classifications on the policy include this exposure and a separate limit for this coverage is not needed. Excludes all liability arising out of the products and completed operations hazards. Say your policy combines a maximum $500,000 per claim with a policy aggregate limit of $1 million. 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 28 12 Owners and Contractors Protective Liability - Pesticide or Herbicide Applicator Coverage, This endorsement to OCP coverage part, CG 00 09, provides broader pollution coverage for contractors involved in the named activities on behalf of a premises owner. Search for jobs related to Blanket per project aggregate endorsement or hire on the world's largest freelancing marketplace with 20m+ jobs. 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 . A few items to keep in mind with a 'project endorsement'. 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. 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 Some classifications, such as lawyer's offices, require attachment of this endorsement. Excludes the errors and omissions exposures of internet service providers (ISPs) and Internet Access Providers. Cleanup costs are still excluded. 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. as a construction manager. See CG 21 67 for an absolute exclusion of coverage for fungi or bacteria. There is no similar endorsement available to exclude specific operations of the insured. Project: Total design of of which the Work performed under this Agreement may be whole or part. Provides additional insured status to a designated person or organization that has granted the named insured a license. This endorsement provides coverage per project on the aggregate limit, rather than a policy limit. See endorsement CG 22 30 for a specific exclusion of corporal punishment. Controlled even heating for uniform bending. 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. There is no exception for liability assumed under an insured contract. Pack of 1 Unit. 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. See CG 20 15. Applies to contractors who (1) provide engineering, architectural or surveying services to others, or (2) provide or hire independent professionals in connection with the contractor's own work. This endorsement was withdrawn from use in 2012 but reinstated in 2013. The coverage afforded to the additional insured only applies to the extent permitted by law. 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. The claims-made forms are not reviewed in this Policy Guide. 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. Must be attached to policies insuring townhouse associations. Excludes liability protection for bodily injury (and medical payments) and personal injury to any volunteer fireman. Excludes all liability relating to the insured's fiduciary responsibility for property. Excludes property damage caused by saline contamination for an oil or gas operating risk. Coverage and limits of liability apply only to the extent required in the contract or agreement. CG 33 94 Texas Additional Insured Owners, Lessees Or Contractors Completed Operations. 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. CG 28 03 Supplemental Extended Reporting Period. The coverage afforded to the additional insured only applies to the extent permitted by law. Makes the vendor's policy excess over protection provided by the manufacturer's or distributor's policy under a vendors endorsement. 2. 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. Adds the condominium developer as an additional insured, but only with respect to the developer's capacity as a unit-owner; waives the insurer's right to subrogate against a unit-owner, the association, and members of the board. It provides for an extended reporting time for claims arising out of occurrences covered by the policy. A "Per Project" aggregate means the insurer will pay the same $2M for all claims that occur from any specific project. Allows for the arbitration of disputes between the company and the insured, with the arbitrator's decision being binding on the parties. Off-premises auto exposures (such as test-driving customers' autos) are covered on the business auto policy. A blanket additional insured endorsement may be available for with your insurance company. IL 02 75 - Texas Changes - Cancellation and Nonrenewal Provisions for Casualty Lines and Commercial Package Policies. CG 33 92 Texas Additional Insured - Engineers, Architects or Surveyors Not Engaged by the Named Insured. Not approved for general use in Texas, but could be used on a "large risk. 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