Frequently, the "Per Project" endorsement requires that each separate project be listed by name. Eliminates liability protection for employees of the insured, other than the executive officers of a corporation, and for volunteer workers. Adds the designated person or organization as an additional insured, but only for liability arising out of financial control of the named insured or a premises owned by the additional insured and leased or occupied by the named insured. CG 28 07 Principal's Protective Liability Coverage Part. A claim paid for damages arising out of one project would not affect the aggregate at other projects of the insured. Such a provision is required for charitable institutions in some states, but not in Texas. This form can be modified with endorsement CG 28 07 to apply to any principal's liability for the acts of agents. 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. When per-project limit wording is not required: "X is included as additional insured with respect to the general liability as required by written contract per the attached endorsement." Texas uses a special endorsement for these risks. Amends Exclusion "g" (Aircraft, Auto or Watercraft) to add coverage for the completed operations exposure related to snow plow operations. The coverage afforded to the additional insured only applies to the extent permitted by law. Protects a railroad company from liability arising out of operations performed on or near railway property. Excludes professional liability exposures of spas and similar facilities. Excludes liability coverage arising out of actual or threatened abuse or molestation of a person in the custody of any insured or employee. CG 24 52 Limited Coverage for Designated Unmanned Aircraft (Coverage B Only). Not approved for general use in Texas, but could be used on a "large risk. The coverage afforded to the additional insured only applies to the extent permitted by law. Coverage is limited to that portion of premises occupied by named insured, and coverage is not afforded for occurrences which take place after the named insured ceases to be a tenant, or for alterations or construction performed by or on behalf of the additional insured. 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. Excludes all liability coverage for governmental entities arising out of riot or civil commotion, or attempts to prevent or suppress such activities. Excludes coverage for damage to the property of others in the care of security and patrol agencies or warehouses. Details. For example, if you perform work at one location, and are sued for bodily injury, your per project aggregate will restore your limit of insurance for your next project. CG 33 96 Texas Additional Insured - Lessor of Leased Equipment. The Designated Location General Aggregate Limit is the most we will pay for the sum of all damages under Paragraph . - Please confirm on the certificate or by uploading endorsement(s) that Waiver of Subrogation applies to this policy. 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 . Question: I have a concern regarding Per Project Aggregate Endorsements. Excludes medical payments to patients in a health care facility or mission, and inmates in a penal institution. See CG 26 46 for the appropriate Texas form. The insured agrees to reimburse the company for the amount of the deductible, and all other rights and duties under the policy (such as defense) are unchanged. Required on all policies. Excludes liability arising out of streets and bridges for their: (1) existence,(2) maintenance (3) use of mobile equipment. 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 already excludes bodily injury to an employee, but this endorsement clarifies that no coverage is provided for bodily injury arising out of employment practices, whether the claimant is an employee or not, in the circumstances at the time. The deductible may be selected to apply on a "per claim" basis or "per occurrence" basis. Same as CG 21 60 except it contains an exception for bodily injury claims arising out of the premises. CG 33 93 Texas Additional Insured - Owners, Lessees or Contractors - Automatic Status When Required in Construction Agreement with You. The endorsement excludes the expense of bringing an out of control well under control. 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. 2. This endorsement was withdrawn from use in 2013. 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. Also clarifies that autos used on city property (streets) do not meet the definition of "mobile equipment", but remain "autos" excluded under the CGL. See CG 01 56. 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 liability arising out of existing buildings when a housing authority acquires a site for construction of a housing project. Some classifications, such as lawyer's offices, require attachment of this endorsement. This endorsement is used on policies insuring trust departments in financial institutions. $1,000,000 per occurrence; $2,000,000 general aggregate; $2,000,000 products aggregate; Property - no restriction on value. Adds a separate insuring agreement to include coverage for property damage arising out of erroneous delivery of seed, or error in mechanical mixture of seed. 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. This endorsement is not approved in Texas. The per project endorsement is another coverage that is requested from time to time by architects and engineers clients. 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. Same as above, except applies only to permits relating to premises use, such as the erection of a sign. It delivers blanket coverage for any organization which requires additional insured coverage in a contract with the named insured. Adds a premises owner or manager as additional insured under tenant's 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. PLEASE READ IT CAREFULLY. This endorsement provides completed operations coverage for the loading and unloading of vessels, without the need to purchase specific coverage. CG 25 04 Designated Location(s) General Aggregate Limit. Creates an exception to the pollution exclusion to cover the escape of a pollutant specifically listed in the endorsement schedule. 456 Market St - Contents: $500,000. . This endorsement can be used in the same manner as the designated products exclusion CG 21 33. Inland Marine - no restriction on value. 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. Provides automatic additional insured status to persons or entities that have granted the named insured a license when the named insured has agreed in a written contract to provide such coverage. - 30 Days Notice of Cancellation Required. Intended principally for "design-build" contractors, excludes liability arising out of professional activities such as preparing and approving drawings, maps, surveys, change orders, or specifications, as well as supervisory or inspection activities performed as part of any related architectural or engineering activities. CG 28 02 Insured Site Definition (Contractors). Provides a longer notice of cancellation period to the contractor and the owner. The Designated Construction Project General Aggregate Limit is the most we will pay for the (See CG 21 00). 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. 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 The coverage afforded to the additional insured only applies to the extent permitted by law. 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. Provides for annual premium adjustment when the policy is issued for a term longer than one year. 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. 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 . 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. This endorsement is for use with the claims-made liquor liability coverage part, CG 00 34. See CG 20 15. DESIGNATED CONSTRUCTION PROJECT(S) GENERAL AGGREGATE LIMIT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Construction Projects: THIS ENDORSEMENT APPLIES TO ALL CONSTRUCTION PROJECTS OF THE NAMED INSURED. This endorsement has no effect on bodily injury liability coverage. See also endorsements CG 21 07 and CG 21 08 below. This is usually used by contractors and companies that do project related work since they work on many different projects. The first coverage is when the project owner is held vicariously liable for acts or omissions of the general contractor. 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. Excludes the professional liability exposure of medical or diagnostic testing facilities. Account Changes the cancellation condition in the Common Policy Conditions (IL 00 17) and adds a nonrenewal condition.Required by Texas law. 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. Provides additional insured status to a designated person or organization on a contractor's policy for completed operations exposures. This endorsement was withdrawn from use in 2013. . See CG 21 55 below. Adds unit-owners as additional insureds for liability arising out of common areas. IL 00 21 - Nuclear Energy Liability Exclusion Endorsement (Broad Form). See CG 21 49 above. This endorsement makes the CGL of a real estate management firm excess over coverage provided by the property owner's CGL. Adds the interest of the owner of equipment to a policy covering the named insured who leased the equipment. . In addition, limits coverage to the extent that the insured's assumption of tort liability is permitted by law. Adds unmanned aircraft exclusion to the Owners and Contractors Protective Liability Coverage Part. Includes, excludes or limits coverage related to acts of terrorism, in accordance with the Terrorism Risk Insurance Act (TRIA), as amended by the Terrorism Risk Insurance program Reauthorization Act of 2015. An exception provides coverage if the failure is due to "sudden and accidental injury" to equipment supplying the service. Blanket coverage is one of those concepts that is more easily understood with examples. This endorsement was withdrawn from use in 2013. CG 33 92 Texas Additional Insured - Engineers, Architects or Surveyors Not Engaged by the Named Insured. Mandatory endorsement for the products and completed operations claims-made coverage form. Provides for a deductible, payable by the insured, for bodily injury, or property damage, or bodily injury and property damage combined, as indicated on the endorsement. Broad form endorsement offered at no additional cost; helps protect . Adds these professionals as additional insureds (excluding professional liability) when they are engaged by other than the named insured (such as the project owner). 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. Provides additional insured status to a designated person or organization on a contractors policy for completed operations exposures. A "Per Project" aggregate means the insurer will pay the same $2M for all claims that occur from any specific project. Provides coverage for incidental application of "over the counter" herbicides or pesticides on lawns under the insured's regular care. See endorsement CG 22 30 for a specific exclusion of corporal punishment. The land so leased must be designated on the endorsement. 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