Amendment of General Aggregate Limit – Per Project
Applies the General Aggregate Limit separately to each project conducted away from premises owned or rented by the insured.
Amendment of General Aggregate Limit – Per Location
Applies the General Aggregate Limit separately to each location owned or rented by the insured.
Broadened Coverage for Non-owned Watercraft
Provides coverage for non-owned watercraft under 51 feet in length.
Broadened Coverage for Non-owned Aircraft
Extends coverage to non-owned aircraft that are hired, chartered, or loaned with a paid licensed crew.
Supplementary Payments – Increased Limit for Bail Bonds
Raises the allowable reimbursement for bail bonds to $5,000.
Supplementary Payments – Increased Limit for Loss of Earnings
Increases loss-of-earnings reimbursement to $500 per day.
Newly Acquired or Formed Organizations
Automatically covers newly acquired or formed entities for up to 180 days.
Blanket Additional Insureds – When Required by Contract or Agreement
Automatically provides additional insured status to parties required by written contract for liability arising from your operations, premises, or permits.
Damage to Premises by Explosion or Leakage from Automatic Fire Suppression System
Covers damage caused by explosion or fire-suppression system leakage to property rented or temporarily occupied by the insured, up to the policy’s fire damage limit.
Waiver of Rights of Recovery When Required by Contract or Agreement
Automatically waives our right of subrogation when required by a written contract for work performed by the insured.
Duties in the Event of Occurrence, Offense, Claim or Suit
Clarifies that an occurrence, offense, claim, or suit is considered known only when reported to specific authorized individuals within the insured’s organization.
Bodily Injury Redefined
Expands the definition of bodily injury to include mental anguish, mental injury, disability, shock, or fright arising from physical injury.
Voluntary Property Damage Coverage
Provides coverage, at the insured’s request, for damage to property of others away from the insured’s premises, subject to stated limits and deductible.
Incidental Malpractice, Licensed
Extends liability coverage to employees licensed to provide health care services on the insured’s behalf.
Unintentional Failure to Disclose All Hazards
Protects the insured when hazards were unintentionally omitted before the policy began.
Expected or Intended Property Damage
Covers property damage that results from the insured’s use of reasonable force to protect people or property.
Broadened Property Damage to Borrowed Equipment
Provides $10,000 of coverage per occurrence for damage to borrowed equipment, subject to a deductible.
Property of Others in the Care, Custody or Control of the Insured
Covers up to $10,000 per occurrence for damage to property belonging to others while in the insured’s care, custody, or control.
Electronic Data Liability
Provides up to $10,000 in coverage per occurrence for property damage involving electronic data.
