MISCELLANEOUS UNACCEPTABLE ENDORSEMENTS

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Noel Gray
6 years ago
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1 MISCELLANEOUS UNACCEPTABLE ENDORSEMENTS Endorsement Form Number Title of Endorsement Carrier Issue Solution Excludes coverage for cross suits of employee vs employee and does not meet our contractual requirements 00 AGL (Arch) Limited Cross Suits Exclusion Arch Specialty New York Limitation Endorsement Work Done on Your Behalf by Unsured or 00 AGL (Arch NY) Undersured Contractors Arch Specialty New York Limitation Endorsement Work Done on Your Behalf by Unsured or 00 AGL (Arch NY) Undersured Contractors Arch Specialty New York Limitation Endorsement Work Done on Your Behalf by Unsured or 00 CGL (Arch NY) Undersured Contractors Arch Ins Co Must remove endorsement or Must remove endorsement or Must remove endorsement or Must remove endorsement or (8/14) Anti Stackg Endorsement Granite State (1 07) Subcontractor Caused Property Damage Auto Owners/Southern Owners (may be manuscripted) Anti Stackg Endorsement National Union Exclusion for Progressive Damage (Ed. 2 08) Exclusion Construction or Development or Matenance or Renovation, Total Chubb Restricts limits available to all sureds if more than one policy was effect for same cident Go to page 13 of the policy form and look at the section they have deleted this endorsement. They are addg back the damage to work by subcontractors, but, then excludg all primary wordg with regard to coverage on this endorsement. Restricts limits available to all sureds if any AIG affiliated carriers have policies effect for same cident Excludes nearly every scope of work we would contract for. Also, excludes any work that description performed on their behalf, such as lower tier subs Don't accept any Auto Owners/Southern Owners GL surance AD Additional Conditions Named Insured's Duties With Respect to Independent Contractors Admiral Excludes coverage if subcontractors do not adhere to all conditions. Somethg we cannot control. AD Pre Existg Damage Exclusion Admiral More restrictive than ISO policy form must remove

2 AD Injury to Independent Contractors Exclusion Admiral Excludes statutory and action over coverage AD Independent Contractor Ins Agreement Admiral Additional premium charged to named sured if conditions not met Does not need to be removed as it does not nullify coverage but sub needs to be aware of this condition AD Injury to Temp, Volunteer or Casual Worker Exclusion Admiral Excludes coverage for statutory and action over AD Prior Products and Operations Exclusion Admiral AD Special Exclusions Jot Form Admiral AGL Exclusion Independent Contractors or Subcontractors Atlantic Casualty Excludes all subcontracted work AI manuscripted so must read form to see what they are excludg see title at right No Coverage Applies the State of NY if Contractor Conditions Not Met Admiral Cannot accept from any sub workg NY or make it not apply for our project. ANF ES 162 (7 05) Contuous or Progressive Damage Exclusion Navigators Specialty BP Fungi or Bacteria Exclusion Depends on scope of work and whether or not they have a separate pollution policy that covers mold, fungi and bacteria BP Oregon Amendment of Insured Contract Defition Has added negligence triggers to defition of "sured contract" BP Exclusion Damage to Work Performed By Subcontractors On Your Behalf Excludes all subcontracted work CBL Limitation Damage to Your Work Unacceptable restrictions for subcontracted work that we cannot control or monitor CGL Exclusion Bodily Injury to Independent Contractors Unacceptable exclusion that we cannot monitor or control CGL Non Stackg of Limits Restricts limits available to all sureds if any United Specialty or affiliated carriers have policies effect for same claim CGL Contuous or Progressive Injury and Damage Limitation More restrictive than ISO policy form elimates coverage even if "alleged" to have begun to occur

3 CG D Amendment of Contractual Liability Exclusion for Other Than Designated Construction Projects Exception for Damages Assumed An Insured Contract Applies Only to Named Insured Travelers Adds "by you" to contractual liability, limitg contractual liability to named sured stead of "any (per Russ negotiation sured" with carrier) CG D Amendment of Contractual Liability Exclusion Exception for Damages Assumed Certa Insured Contracts. Travelers Excludes Defition f of "sured contract" which is the only defition that applies to us (per Russ negotiation with carrier) CG Exclusion Employees and Volunteer Workers as Insureds CG Contractual Liability Limitation Explosion, Collapse, Underground (XCU) CG exclusion Excludes employees & volunteer workers as sureds Must remove endorsement or and excludes coverage for autos, watercraft or aircraft operated by employees or volunteer workers Must remove endorsement or Redefes "sured contract" to elimate our contract as an "sured contract" To be reviewed on case by case basis depends on sub's scope of work CG Exclusion Damage to Work Performed by Subcontractors on Your Behalf Excludes coverage for work performed by subcontractors Exclusion Damage to Work Performed by CG Subcontractors on Your Behalf Designated Sites or Operations Excludes coverage for work performed by subcontractors Lots of exclusions and restrictions makg CGL policy or make it not CG "Signature Series" CGL endorsement Westfield no longer compliant apply to our projects CG7315 (10 13) Contuous or Progressive Injury or Damage Exclusion Employers Mutual More restrictive than ISO policy form and elimates defense if carrier even alleges damage began to occur before policy ception see note on CG Blanket Additional Insured Liberty Mutual Excludes subcontracted work CL CG Contug Damage Coverage Assurance Contental Western More restrictive than ISO policy form or make it not apply to our projects CSCX Bodily Injury to Contractors' or Subcontractors' Employees Exclusion Ccnati Specialty Underwriters Elimates coverage for third party over suits CSGA Changes to CGL Coverage Form Ccnati Specialty Expanded cont or prog damage exclusion CSGA Contractors Changes to CGL Liability Part Ccnati Specialty Numerous unacceptable exclusions CSGA Contractors Changes to CGL Liability Part Ccnati Specialty Numerous unacceptable exclusions CSGA Independent Contractors Limitation Ccnati Specialty Underwriters

4 CSIA405 (08/09) A Exclusion Assault or Battery Ccnati Specialty Excludes coverage for any sured as a result of any type of actual or threatened assault of battery CSLL Limitation No Stackg of Limits of Insurance Ccnati Specialty Unacceptable non stackg of limits CVX GL 0104a( ) Independent Contractors Limitation of Coverage First Mercury/Gemi Excludes subcontracted work unless their subs meet certa restrictions that are not ones we can verify for compliance carrier has provided an acceptable alternate form that does not elimate coverage but adds CVX GL 5066(05/2004) Contuous Injury and Damage Exclusion First Mercury/Gemi More restrictive than ISO policy Contuous or Progressive Injury and FMIC GL 2011 (04/2011) Damage Exclusion First Mercury/Gemi FMIC GL 2397 (07/2014) Anti Stackg Endorsement First Mercury/Crum & Forster Restricts limits available to all sureds if other Crum & Forster policies are effect for same cident GL (06 00) Exclusion Subsidence of Land Depositors Excludes all earth movement GLS 278s (1 06) Injury to Worker Exclusion Scottsdale Injury to Worker Exclusion GLS 281s (9 07) Contug or Ongog Damage Exclusion Scottsdale Limited Exclusion Injury and Liability Resultg From or Caused By Work of a Contractor, Subcontractor Sub HXMG Subcontractor Hudson see sample of endorsement givg back coverage folder Contas conditions with regard to all tiers of subcontractors/contractors that elimates coverage if all conditions are not met. Totally unacceptable all cases.. LEXOCCO98 (Ed. 3/86) Cross Suits Exclusion Granite State Excludes coverage for any sured agast any sured ME Combation Commercial Construction Endorsement Essex/Markel Excludes coverage for work performed by subcontractors MEGL Contuous or Progressive Damage Exclusion Essex/Evanston/Markel More restrictive than ISO policy MEGL Exclusion Employer's Liability and BI to Contractors or Subcontractors Essex/Evanston/Markel More restrictive than ISO policy NX GL Amendment Common Policy Conditions Associated Industries Must read usually contas anti stackg and other unacceptable conditions VERIFY ALL OF THESE BEFORE APPROVING ANY ASSOCIATED INDUSTRIES INSURANCE NX GL Exclusion Subsidence Associated Industries Very broad and unacceptable subsidence exclusion NX GL Exclusion Cross Suits (Insureds) Associated Industries Excludes cross suits (sureds vs sureds) This is not named sured vs named sured) PIC GLN 023 (10/13) Contuous or Progressive Injury and Damage Exclusion Tokio Mare More restictive than ISO policy excludes coverage and defense by "allegg" damage began to occur before policy ception or make it not apply to our projects

5 ProSight manuscripted Subcontractor Agreement Rider ProSight Prime Specialty manuscripted Subcontractor Agreement Rider Prime Specialty RIC 3223 (Ed ) Contractor Subcontractor Warranty RSUI/ Landmark/ Covgton S2809 CG (2 12) Subcontractor Warranty Travelers/Northfield Exclusion Prior Bodily Injury or Property S2905 CG (2 12) Damage Travelers/Northfield SIS TC 0101 (05/13) SLC Various titles manuscripted form; none I have reviewed so far are acceptable Contuous or Progressive Damage Exclusion XL America TEN Cross Suits Exclusion Houston Specialty Requires their subcontractors to mata coverages and excludes coverage if their subs' surances do not comply form must be signed by our sub and each of their subcontractors Requires their subcontractors to mata coverages and excludes coverage if their subs' surances do not comply form must be signed by our sub and each of their subcontractors Requires their subcontractors to mata coverages and excludes coverage if their subs' surances do not comply Requires their subcontractors to mata coverages and excludes coverage if their subs' surances do not comply Must either remove or sub must identify all subs/suppliers and provide excecuted copies of this form to us before commencg work Must either remove or sub must identify all subs/suppliers and provide excecuted copies of this form to us before commencg work Excludes coverage for numerous thgs policy; VERIFY ALL OF THESE BEFORE APPROVING must review each one ANY UNITED SPECIALTY INSURANCE Excludes all cross suits liability, cludg Named sured agast additional sured see endorsement folder Tokio Mare manuscripted Contug or Ongog Damage Exclusion Tokio Mare see sample of endorsement givg back coverage folder U Contuous,Progressive or Repeated BI or PD Exclusion Colony U Subsidence Exclusion Colony Exh G requires NO subsidence exclusion U Exclusion Injury to Temp, Volunteer or Casual Worker Colony U Exclusion Work Height Colony Other Insurance Amendatory USIC VEN Endorsement USIC VEN Total Prior Work Exclusion USIC VEN Subcontractor Warranty Expands defitions of Temp, Volunteer, Casual worker and excludes all coverage for jury to them Excludes all exterior work on structures above 3 Must verify height of bldg and if they are stories or 36 ft dog any exterior work Makes CGL policy excess for both named sured and additional sured Elimates coverage if work spans multiple policy periods Elimates coverage and defense if lower tiers do not mata coverages required this endorsement

6 USIC VEN Subcontractor Warranty USIC VEN Pre Existg Injury or Damage Exclusion USIC VEN (amended) Pre Existg Injury or Damage Exclusion USIC VEN Pre Existg Injury or Damage Exclusion USIC VEN Amended Pre Existg Injury or Damage Exclusion Elimates coverage and defense if lower tiers do not mata coverages required this endorsement USIC VEN A CGL Liability Changes More restrictive than ISO policy form and reduces limits available see note on USIC VEN Anti Stackg Endorsement Restricts limits available to all sureds if any United Specialty or affiliated carriers have policies effect for same claim VCAS Exclusion Contug Damages Berkley Assurance VE Open Roof Exclusion Gemi We have no control over this VE Independent Contractors Limitation Gemi Okay because it says will cover them, but, the sured will be payg additional premium if they don't follow the requirements VE Independent Contractors Limitation Gemi Okay because it says will cover them, but, the sured will be payg additional premium if they don't follow the requirements VE Torch Down Roofg Exclusion Gemi We have no control over this VE Sub and Independent Contractor Limitation Gemi See notes on this restrictive endorsement VE Contuous or Progressive Damage exclusion Gemi VE Contuous or Progressive Damage exclusion Gemi VEN (01/15) Pre Existg Injury or Damage Exclusion Knight Specialty VEN (12/15) Pre Existg Injury or Damage Exclusion Knight Specialty VEN Subcontractor Warranty Excludes coverage if all requirements not met by their subcontractors WW421 (11 13) GL Waiver Unacceptable GL Waiver Western World Unacceptable "sole negligence" on part of named sured NOTE: We are not acceptg any Contuous or Progressive Damage exclusions from any carriers that exclude coverage "whether or known or unknown." It's not negotiable.

7 Any endorsement that has the note "" has the option of providg change endorsement makg that endorsement not apply to our projects if they will not remove entirely.

Primary, Non contributory Endorsements

Primary, Non contributory Endorsements NOTE: MANY PRIMARY ENDORSEMENTS ARE MANUSCRIPTED AND MAY CONTAIN DIFFERENT VERBIAGE THAN THAT OF THE REVIEWED ENDORSEMENT. WORDING MUST BE COMPARED TO SAMPLE IN FOLDER