Additional Incidental Occupancies (FL0462)
This endorsement is used to extend your farm/ranch liability coverage to include protection for the incidental occupancies listed on the form. This is needed because your policy does not automatically cover these exposures. Back to top

Additional Premises (FL0406)
This endorsement is used to extend your farm/ranch liability coverage to include protection for those additional locations listed on the form. Back to top

Addl Insureds Reviewed
This endorsement is used to extend your Liability policy to include protection for those additional insureds listed on the form. This is needed because your policy does not provide automatic coverage for these individuals/entities. Back to top

Addl Insureds/Cart User (CG2008)
This endorsement is used to extend your Liability policy to include protection for individuals who rent or are loaned golfmobiles by you or your concessionaires. This protection is restricted to only the liability that arises out of such use of a golfmobile. Back to top

Addl Insureds/Charitable Institutions (CG2020)
This endorsement is used to amend the "Who Is Insured" provision of your General Liability policy to provide coverage for members with respect to their activities on behalf of your institution, including trustees and members who serve on the board of governors. Back to top

Addl Insureds/Church Members (CG2022)
This endorsement is used to extend your Liability policy to include coverage for members, officials or volunteers of your organization. Back to top

Addl Insureds/Condominium Owners (CG2004)
This endorsement is used to extend your General Liability policy to include protection for individual unit owners against claims arising out of the ownership, maintenance, or repair of the common areas of your condominium. Back to top

Addl Insureds/Employees
This endorsement is used to extend your General Liability policy to include protection for employees, in the same manner as your coverage, while he/she is acting in the scope of his/her job. Back to top

Addl Insureds/Governmental Subdivisons (CG2409)
This endorsement is used to change the nomenclature of the "Who Is Insured" provision of your General Liability policy to conform more closely to the needs of a governmental entity. It also clarifies that land motor vehicles designed for travel on public roads and owned or leased by the entity are considered to be mobile equipment if they are used exclusively on streets and highways owned by the entity, thus eliminating the need for separate auto insurance. Back to top

Addl Insureds/Joint Ventures
This endorsement is used to extend your General Liability policy to include automatic protection for claims arising out of a joint venture. This is needed since your policy covers joint ventures as insureds only if designated in the policy's declarations. Newly acquired or formed joint ventures are not automatically covered unless this endorsement is used. Back to top

Addl Insureds/Members (CG2002)
This endorsement is used to extend your General Liability policy to include coverage for members of your organization, but only with respects to activities they perform on behalf of your organization. Back to top

Addl Insureds/Owners, Lessees or Contractors - Form A (CG2009)
This endorsement is used to extend your General Liability policy to include coverage for those additional insureds named in the form. Note, this status is only provided for liability arising out of your ongoing operations performed for the additional insured(s) at designated locations, or out of your acts or omissions while working as a subcontractor for a general contractor. Back to top

Addl Insureds/Owners, Lessees or Contractors - Form B (CG 2010)
This endorsement is used to extend your General Liability policy to include coverage for those additional insureds listed in the form. Note, coverage is only provided for liability arising out of your ongoing operations performed for these additional insureds. Back to top

Addl Insureds/Participants
This endorsement is used to extend your General Liability policy to include coverage for participants of sporting or other events which you may be involved with including contestants, officials or sponsors. Back to top

Addl Insureds/Townhouse Associations (CG2017)
This endorsement is used to clarify that townhouse owners who serve as members of your association are protected as additional insureds. Back to top

Addl Insureds/Trusts (CG2405, CG2411)
This endorsement is used to extend your General Liability policy to provide protection for covered insureds against claims arising from the administration of trusts or other fiduciary obligations. Back to top

Addl Insureds/Volunteers (CG2021)
This endorsement is used to extend your General Liability policy to include coverage for volunteers, but only while acting at the direction of, and within the scope of, their duties for you. Back to top

Alienated Premises Excl Modified
This endorsement is used to modify the General Liability policy by eliminating the exclusion for property damage to premises occupied, rented or held for rental by you prior to a project being sold. This is important for contractors involved in turnkey operations on a speculative basis when a structure is completed and some portion of it is rented before it is sold to a developer or investor.Back to top

Amended Aggregate Limits - Per Location (CG2504)
This endorsement is used to amend your General Liability policy's general aggregate limit so that it will apply separately for each owned or rented location. Please note, this endorsement does not modify the application of your completed operations aggregate limit. Back to top

Amended Aggregate Limits - Per Project (CG2503)
This endorsement is used to amend your General Liability policy's general aggregate limit so that it will apply separately to each scheduled project located away from owned or rented premises. Please note that only the general aggregate limit is affected and that standard policy completed-operations limits still apply. Back to top

Amendment of Limits For Designated Projects (CG2501)
This endorsement is used to provide different limits of coverage for those projects scheduled on the form. Note, these modified limits do not increase your CGL policy's primary limits for any other exposures except those specified in the endorsement. Back to top

Animal Contests or Activities (FL0440)
This endorsement is used to extend the policy to provide coverage for liability or medical payments that results from the use of any animal used in racing, speed, strength or prearranged stunting activities. Back to top

Auto Exclusion Modified - Racing
This endorsement is used to extend the General Liability policy to cover loss or injury resulting from vehicles participating in racing events while on your premises. This is needed since standard policies exclude coverage for these activities. Back to top

Automatic Add'l. Insureds Used
This endorsement is used to modify the Liability policy to include automatic coverage for any entity for which you are required to provide such coverage in a written contract. Normally, such additions must be individually requested for coverage to apply. Back to top

Broadened Named Insured Used
This endorsement is used to extend specified policies to provide automatic coverage for any organizations in which you currently own 50 percent or more interest in or will create or acquire during the policy year. Normally, such unnamed entities must be reported to your carrier for coverage to apply. Back to top

Care, Custody and Control Exclusion Modified
The standard General Liability policy excludes or limits coverage for personal property of others in the care, custody or control of the named insured. This endorsement deletes or severely limits the application of this exclusion as it applies to such property. Back to top

Comp/Ops Exclusion Modified
The standard General Liability policy excludes coverage for property damage to work performed by you. This endorsement is used to restrict the application of this exclusion as specified in the endorsement. Back to top

Employment Practices Coverage
This coverage is used to provide protection against lawsuits by employees alleging wrongful discharge, discrimination, harassment or other specified employment related exposures. Back to top

Ext. Personal Injury Coverage
This endorsement is used to extend your personal injury liability coverage to insure against loss from several exposures not currently covered under your present policy. Back to top

Extended Broad Form PD Coverage
This coverage is used to provide very broad property damage liability protection by modifying several of the exclusions found in most standard General Liability policies. Exclusions dealing with care, custody and control, workmanship, and defective product can be modified or eliminated altogether to provide broader coverage for your operations. Back to top

Extended Contractual Coverage (Railroads) (CG2417)
This endorsement is used to extend your General Liability coverage to provide protection for liability you may assume under a hold harmless
agreement of a contract in connection with work you do for a railroad or around their property. Back to top

Failure To Supply Excl. (CG2250)
This endorsement is used to exclude coverage for any claim or suit arising out of your failure to supply gas, oil, water, electricity or steam. However, it does not apply if such failure is due to sudden or accidental injury to the property used to supply such services. Back to top

Fellow Employee Excl. Deleted
This endorsement is used to extend your Liability protection to insure against claims filed by one employee against another for alleged negligent acts. This exposure is excluded in your standard policy since it is intended for this type of claim to be insured under your Worker's Compensation coverage. Generally, states allow employees the right to not only claim compensation, but also maintain their right to sue third parties for damage. Unfortunately, in many states there is no clear definition of what is a third party and therefore, a suit could potentially be brought against an employee as a third party. Back to top

Fellow Member/Volunteer Exclusion Deleted
This coverage is used to extend your Liability insurance to protect against claims filed by one volunteer or member against another volunteer or member for alleged negligent acts. This endorsement is needed because most standard General Liability policies exclude coverage for claims of this nature. Back to top

GL Exclusions Reviewed
This endorsement is used to amend the Liability policy to eliminate coverage for those designated entities or activities as listed on the form. Please note, this uninsured exposure does not affect your coverage for any other entity or activity you may be involved with. Back to top

Good Samaritian Malpractice
This endorsement is used to extend the Incidental Medical Malpractice section of your policy to cover fire fighters/EMTs on a 24-hour basis, whether on active duty or engaged in off duty activities. This is needed since, normally, malpractice insurance covers individuals while acting in the scope of their responsibility and may be construed to mean coverage is available only while they are on active duty. Back to top

Home Day Care Coverage (FL0442)
This endorsement is used to extend the Farm/Ranch policy to include coverage for home day care services that are conducted at scheduled
locations. Back to top

In Rem Coverage Added
Under admiralty law, an occurrence that takes place on board a vessel can give rise to an action against the ship as well as the owner. With standard liability coverage, the vessel would not be covered and may be impounded. This endorsement is used to extend the Liability policy to include coverage for specified vessels with the same protection as is provided for the vessel owner. Back to top

Intercompany Products (CG2141)
This endorsement is used to modify the Liability policy so that coverage is not provided when a named insured brings a suit against another named insured for defective products. When attached, that portion of gross sales which represents the intercompany transaction is excluded from the products-completed operations premium base. This can result in a substantial savings for you. Back to top

Labor Reimbursement Coverage
This coverage pays up to the amount specified for labor charges incurred by you in connection with the repair or replacement of a defective product. Note, a product is considered defective only when a manufacturer first declares it as defective. Back to top

Leased Workers Coverage (CG0424)
This endorsement is used to extend your General Liability policy to include coverage for claims arising from individuals who have sustained injury while working for you as a leased worker. Back to top

Lost Key Coverage
This coverage is used to pay for the costs to replace or rekey locks, up to the amount specified in this endorsement, that is caused by the loss of a key or keys by you or your employees. Back to top

Medical Payments Restricted
This endorsement is used to amend the Liability policy to eliminate medical payments coverage for those designated individuals as listed on this endorsement. This uninsured exposure does not affect your coverage for any other person or activity you may be involved with. Back to top

Molestation Coverage Exclusion
This endorsement is used to restrict the Liability policy by excluding coverage for actual or threatened abuse or molestation of any person while in the care, custody or control of you or your employees. Back to top

Non-Farming Extension Endorsement (FL0477)
This endorsement is used to extend your Farm/Ranch policy to include coverage for activities of a non-farming or ranching nature. Back to top

Objects of Others Covered
This endorsement will extend the Liability policy to include coverage for objects of others while in your control. It is used when you allow local artists to exhibit their work in your establishment(s). Back to top

Off Premises Parking Coverage
Standard General Liability policies will only cover the parking of autos that are owned by others when it is done at, or next to, your covered premises. This endorsement extends this coverage to provide primary liability protection for off site parking that may be done in conjunction with your business. Back to top

Personal Injury Contractual Exclusion Deleted (CG2274)
This endorsement is used to eliminate the contractual liability exclusion found in the personal injury section of the Liability coverage. This modification is important since you provide services under contract or assume liability under contract where the perils of personal injury (libel, slander, wrongful arrest or eviction or malicious prosecution) can be a source of claims against you. Back to top

Pesticide or Herbicide Applicator Coverage (CG2264, CG2812)
This endorsement is used to modify the pollution exclusion in your General Liability policy to permit the application of pesticides and herbicides at job sites. Please note that this pollution "buy-back" applies only if operations conduct by you or your subcontractors are in compliance with all government standards and regulations. Back to top

Principals Protective Added (CG2807)
This coverage is used to insure against claims arising out of activities of any independent contractor, or of any employee of any independent contractor, while engaged in operations for you. Back to top

Products Exclusion Modified
The General Liability policy excludes coverage for property damage to products manufactured, sold, handled, distributed or disposed of by you. This endorsement is used to restrict or eliminate the application of this exclusion as specified in the form. Back to top

Products Hazard Redefined
This endorsement is used to extend the policy to include coverage for loss occurring after your product has been relinquished to others. It is needed since standard products liability does not protect you unless the resulting damage or injury occurs away from the premises. Back to top

Products Recall Coverage
This insurance is used to provide coverage for specified costs associated with the recall, withdrawal, disposal, repair, replacement or adjustment of your product or work because of its defect or deficiency. Standard Liability policies normally exclude coverage for claims of this nature. Back to top

Property Damage Theft Coverage
This endorsement is used to modify the standard definition of property damage to cover claims resulting from the theft or disappearance of property of others while in your care, custody or control. This is needed because standard Liability policies do not cover such losses. Back to top

Punitive Damage Coverage Incl.
Liability coverage can be written to include protection for claims arising out of punitive damage awards. This is important since many state statutes today make punitive damage a very real hazard. Back to top

Real Property of Others Exclusion Deleted
This endorsement is used to eliminate the real property of others exclusion as it applies to the premises/operations coverage of the General Liability policy. This modification is important because standard policies exclude coverage for damage to that particular part of another's real property that is in your care or upon which you are performing operations. For example, a firm who performs a service on the premises of another, (caterers, repairmen, cleaners), can have a considerable amount of real property under their control. Back to top

Reinstatement of Aggr. Limits
When used, this endorsement provides that aggregate limits reduced by claims that occur during the policy period will be reinstated, to
ensure that existing limits of liability are maintained. This is important because it is possible to find your aggregate limits substantially reduced after a claim, leaving you with inadequate limits for the rest of the policy period. Back to top

Repossession Liability Added
This coverage is used to extend the Liability policy to include protection for claims arising from the repossession of watercraft, aircraft, or other personal property items. This is important since this activity can pose a real threat of lawsuit if improper abstraction occurs. Back to top

Restricted Immunity Defense (CG2414)
When added, this endorsement amends the General Liability policy so that the existing statutory immunity enjoyed by your governmental
entity will not apply unless requested by you. This can be important in some situations where you, as a public entity, may wish to waive this immunity on a case by case basis. Back to top

Review For CGL/E&O Coverage Gaps
As part of your risk management program we have reviewed both your General Liability and Professional Liability policies to make certain
that no activities you do will lead to any uninsured losses. Back to top

Voluntary Property Damage
This coverage is used to extend your General Liability policy to afford protection for damage to property of others when caused by you while in your care, custody or control. Coverage is provided up to the amount specified in the endorsement and can apply regardless of your legal liability provided the damage was not intentional. Back to top

Watercraft Liability (CG2412)
This endorsement is used to extend your CGL policy to insure against claims resulting from the use of watercraft scheduled on this form. It is necessary because standard liability forms do not cover the use of owned watercraft while on the water. Back to top

Workmanship Exclusion Modified (Premises/Operations)
This endorsement is used to eliminate the workmanship exclusion as it applies to the premises/operations part of your General Liability policy. It is needed because standard liability forms exclude coverage for that particular part of any property that must be restored, repaired or replaced because your work (or work performed on your behalf) was incorrectly performed on it. Back to top