Commercial Liability Enhancement

Many of today's businesses have expanded coverage requirements. For these businesses, we have expanded the Commercial General Liability Enhancement Endorsement to broaden the coverage provided by the standard Commercial General Liability policy.

This endorsement provides the following extensions of coverage:

• Amendment of General Aggregate Limit - Per Project
  Amends the General Aggregate Limit to apply separately to each project away from premises owned by or rented to the named insured.

• Amendment of General Aggregate Limit - Per Location
  Amends the General Aggregate Limit to apply separately to each location owned by or rented to the named insured.

• Broadened Coverage for Non-owned Watercraft
  Extends coverage to non-owned watercraft less than 51 feet long.

• Broadened Coverage for Non-owned Aircraft
  Extends coverage to non-owned aircraft hired, chartered or loaned with a paid licensed crew.

• Supplementary Payments - Coverages A and B - Increased Limit for Bail Bonds
  Increased to $5,000

• Supplementary Payments - Coverages A and B - Increased Limit for Loss of Earnings
  Increased to $500 a day

• Newly Acquired or Formed Organizations
  Extends automatic coverage for up to 180 days.

• Blanket Additional Insureds - When Required by Contract or Agreement
  Automatically covers any party the named insured has agreed, in a written contract or agreement, to add as an additional insured. Coverage is limited to the additional insured's liability arising out of the named insured's ongoing operations performed for that party, premises owned or used by the named insured, or permits issued to the named insured by state or political subdivisions.

• Damage to Premises by Explosion or Leakage from Automatic Fire Suppression System
  Covers liability for damage by these perils to property rented or temporarily occupied by the named insured, up to the Fire Damage Limit shown in the policy.

• Waiver of Rights of Recovery Against Others When Required by Contract or Agreement
  Automatic waiver of our rights of subrogation against a party for whom the named insured is performing work, if required in a written contract or agreement.

• Duties in the Event of Occurrence, Offense, Claim or Suit
  Amends this policy condition to state that we will deem an occurrence, offense, claim or suit to have been known only when it is known by the named insured, a partner, a member or manager (if the named insured is a limited liability company), an executive officer, or an authorized employee or designee.

• Bodily Injury Redefined
  Definition expanded to include mental anguish, mental injury, disability, shock or fright that arises out of bodily injury.

• Voluntary Property Damage Coverage
  Covers, at the named insured's request, damage to property of others away from the insured's premises (excluding in transit). Limits: $1,000 per occurrence/$5,000 aggregate, subject to a $250 deductible per occurrence.

• Incidental Malpractice, Licensed
  Extends coverage for employees who provided health care services on your behalf.

• Unintentional Failure to Disclose All Hazards
  Allows for unintentional failure to disclose all hazards prior to the beginning of the policy period.

• Expected or Intended Property Damage
  Allows for property damage resulting from the use of reasonable force to protect persons or property.

• Broadened Property Damage to Borrowed Equipment
  $10,000 per occurrence subject to a $250 deductible.

• Property of Others in the Care, Custody or Control of the Insured
  $10,000 per occurrence subject to a $250 deductible.

• Electronic Data Liability
  $10,000 for property damage per occurrence.

The Commercial General Liability Enhancement Endorsement may be attached to any Commercial General Liability policy, provided the policy covers all the named insured's premises and operations exposure.

This brochure is for illustrative purposes only and is not a contract. It is intended to provide a general overview of the Commercial General Liability Enhancement Endorsement. Please refer to the endorsement and to the Commercial General Liability Policy for actual terms, conditions, coverages, limits and exclusions.