271.4-3

OWNERS AND CONTRACTORS PROTECTIVE (OCP) LIABILITY COVERAGE FORM AVAILABLE ENDORSEMENTS AND THEIR USES

(November 2007)

INTRODUCTION

The following listing identifies endorsements available to modify the Insurance Services Office (ISO) Owners And Contractors Protective (OCP) Liability Coverage Form. The listing is arranged by form number and title and includes a brief explanation of the use of each form. This section does not include any state specific endorsements, changes or amendments.

Note: This section does not address the various ISO Terrorism Endorsements. Please refer to PF&M Section
310.6-2, Terrorism–Insurance Services Office Forms, for a thorough analysis of ISO Terrorism Forms and Endorsements. Please refer to PF&M Section 271.7-3 Owners And Contractors Protective (OCP) Liability Coverage Forms Checklist, for a list of forms to use with the OCP coverage form.

FORM NUMBERING

The ten-digit numbering sequence of ISO forms and endorsements has a very specific meaning.

• The first two entries are alphabetical characters that indicate the line of insurance involved. For example, "CG" denotes "Commercial General Liability."
• The next two digits designate the specific insurance category. Additional detail and information on these categories is in the next section below.
• The next two digits are the form or endorsement number within the insurance category.
• The last four digits are the edition date of the form or endorsement expressed in month and year format. These digits are not used in this analysis.

CATEGORIES

Endorsements are grouped in categories according to their purpose as follows:

CG DS	Declarations
CG 00	Primary Coverage Forms
CG 01	State Amendatory Endorsements
CG 02	Termination and Suspension Endorsements
CG 03	Deductible Endorsements
CG 04	Additional Coverage Endorsements
CG 20	Additional Insured Endorsements
CG 21	Exclusion Endorsements
CG 22 & 23	Special Provisions for Certain Types of Risks Endorsements
CG 24	Coverage Modification Endorsements
CG 25	Amendment of Limits Endorsements
CG 27 & 30	Extended Reporting Period Endorsements
CG 28 & 29	Miscellaneous Coverage Forms and Endorsements
CG 31, 33 & 99	Miscellaneous Endorsements & Exclusions
IL	Interline Endorsements

PRIMARY COVERAGE FORMS (CG 00)

CG 00 63–War Liability Exclusion

This mandatory endorsement was withdrawn from use with the introduction of the 12 07 edition of the OCP coverage form.

ADDITIONAL COVERAGE ENDORSEMENTS (CG 04)

CG 04 24–Coverage For Injury To Leased Workers

This endorsement is used to amend the definition of employee as it appears in the Definitions Section with respect to the Employers Liability Exclusion to not include leased workers or temporary workers.

Note: This endorsement may be issued with or without a premium charge at the discretion of the insurance company.

ADDITIONAL INSURED (CG 20)

CG 20 31–Additional Insured–Engineers, Architects Or Surveyors

This endorsement is used with the OCP coverage form to add engineers, architects or surveyors engaged by the named insured as additional insureds. The coverage is for bodily injury or property damage liability caused by the named insured's acts or omissions or the acts or omissions of those acting on the named insured's behalf in connection with the named insured's premises or in the performance of its ongoing operations.

Note: Coverage does not apply to professional liability. This endorsement is usually issued without a premium charge.

SPECIAL PROVISIONS FOR CERTAIN TYPES OF RISKS ENDORSEMENTS (CG 22)

CG 22 57–Exclusion–Underground Resources And Equipment

This endorsement excludes coverage for property damage that arises out of the underground resources and equipment for the classes of business described in the schedule. It applies to oil or gas wells, oil or gas lease operations and gasoline recovery operations.

Note: This endorsement is usually issued without a premium credit or reduction but any rate changes are at the discretion of the insurance company.

COVERAGE MODIFICATION ENDORSEMENTS (CG 24)

CG 24 01–Non-Binding Arbitration

This endorsement establishes the framework and procedures to use when submitting proceedings to non-binding arbitration.

Note: This endorsement is usually issued without a premium charge or credit.

CG 24 02–Binding Arbitration

This endorsement establishes the framework and procedures to use when submitting proceedings to binding arbitration.

Note: This endorsement is usually issued without a premium charge or credit.

AMENDMENT OF LIMITS ENDORSEMENTS (CG 25)

CG 25 11–Amendment Of Limits Of Insurance (Designated Project Or Premises)

This endorsement is used to change the limits of insurance for the projects or locations indicated on the schedule making up part of the endorsement. The limits shown replace the policy limits for the designated project or location and are not in addition to them.

Note: Premium changes are calculated based on the revised limit of insurance and the contract cost of the scheduled project or location.

MISCELLANEOUS COVERAGE FORMS AND ENDORSEMENTS (CG 28 AND 29)

CG 28 04–Earlier Notice Of Cancellation Provided By Us

This endorsement is used to increase the number of days of notice of cancellation to the named insured by indicating the applicable number of days notice in the space provided.

Note: The number of days notice can be higher than the state minimum number but never less. This endorsement is usually issued without a premium charge.

CG 28 05–Personal Injury Liability

This endorsement is used to add personal injury liability coverage to the OCP coverage form. It includes a separate insuring agreement, exclusions and duties of the insured if a loss occurs. It also includes a definition of "personal injury" as well as a revised definition of "suit."

Note: Premium charge or rate change is at the discretion of the insurance company.

CG 28 07–Principals Protective Liability Coverage

This endorsement is used to convert the OCP coverage to Principals Protective Liability coverage that provides for the vicarious liability of an independent contractor or that independent contractor’s employees. This is insurance against claims that arise out of some secondary cause, such as the negligent acts of an independent contractor engaged by an organization or a general contractor, or an employer for the acts of its employees. It is frequently used for businesses that distribute their products using independent contractors. Please refer to PF&M Section 271.6-1, CG 28 07-Principals Protective Liability Coverage, for an analysis of this coverage form.

Note: Premium charge or rate change is at the discretion of the insurance company.

CG 28 12–Pesticide Or Herbicide Applicator Coverage

This endorsement is used to provide pollution liability coverage for businesses and individuals that apply pesticides or herbicides. It amends the pollution exclusion in the OCP coverage form to provide coverage on operations conducted away from the named insured's premises that meet all safety regulations applying to the operations listed and described on the schedule making up part of the endorsement.

Note: Premium charge or rate change is at the discretion of the insurance company.

CG 29 35–Additional Insured–State Or Political Subdivisions–Permits

This endorsement is used to amend the WHO IS AN INSURED section of the OCP coverage form to include as an insured the state or political subdivision listed on the schedule making up part of the endorsement. Coverage applies only with respect to operations performed by the named insured, or by others on the named insured's behalf, for which the state or political subdivision has issued a permit.

Note: This endorsement is usually issued without a premium charge.

CG 29 51–Employment-Related Practices Exclusion

This endorsement is used to exclude liability coverage for employment-related practices in the OCP coverage form.

Note: This endorsement is usually issued without a premium charge but rate or premium changes are at the discretion of the insurance company.

CG 29 88–Waiver Of Transfer Of Rights Of Recovery Against Others To Us

This endorsement is used by the named insured to waive its rights of recovery against any party listed on the schedule forming a part of the endorsement because of insurance company payments made for bodily injury or property damage as a result of the insured's ongoing operations.

Note: Premium charge or rate change is at the discretion of the insurance company.

CG 31 15–Construction Project Management Protective Liability Coverage

This endorsement is used to amend the coverage provided under the OCP coverage form to apply to the contractor, architect, engineer, surveyor or construction manager for loss or damage to the designated construction project listed on the schedule making up part of the endorsement. Please refer to PF&M Section 271.6-2, CG 31 15–Construction Project management Protective Liability Coverage, for an analysis of this coverage form.

Note: Premium charge or rate change is at the discretion of the insurance company.

CG 31 31–Fungi Or Bacteria Exclusion

This endorsement is used to exclude liability for bodily injury or property damage arising from fungi or bacteria in any form, regardless of anything else that contributes concurrently or in any sequence to the injury or damage. It also excludes the costs and expenses of testing, monitoring and cleaning up the fungi or bacteria by the insured or any other entity and adds a definition for fungi.

CG 31 32–Limited Fungi Or Bacteria Coverage

This endorsement is used to provide coverage for bodily injury and property damage arising out of a fungi or bacteria incident, subject to the Fungi and Bacteria Liability Aggregate Limit described in the endorsement. Coverage does not apply to any fungi or bacteria that are, are on or are contained in a product intended for bodily consumption. It also includes definitions for fungi and fungi or bacteria incident.

CG 31 66–Exclusion–Exterior Insulation And Finish Systems

This endorsement is used to exclude liability coverage for bodily injury and property damage due to any aspect of any exterior insulation and finish system or its component parts. It includes a definition for exterior insulation and finish system.

CG 33 70–Silica Or Silica-Related Dust Exclusion

This endorsement is used to exclude liability coverage for bodily injury and property damage arising out of any inhalation or ingestion of, contact with, exposure to, existence or presence of silica or silica-related dust. It also excludes the costs and expenses of testing, monitoring and cleaning up the silica or silica-related dust. It adds definitions for silica and silica-related dust.