blanket per project aggregate endorsement
See CG 33 95 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. Used with experience - rated risks to show experience rating date. This is a professional liability exclusion for the specific risks named. CG 33 94 Texas Additional Insured Owners, Lessees Or Contractors Completed Operations. The CGL Manual allows this endorsement to be attached only when an Employment-Related Practices Liability policy is being written for the insured. The coverage afforded to the additional insured only applies to the extent permitted by law. Adding an endorsement to the policy that applies the aggregate limit to each location (rather than to all locations) expands your coverage at very little cost. Allows for the arbitration of disputes between the company and the insured, without the arbitrator's decision being binding on any party. Heavy duty cord and thermostat for long life. Provides malpractice insurance for optometrists and hearing aid establishments. THIS ENDORSEMENT CHANGES THE POLICY. There is no exception for liability assumed under an insured contract. Excludes specific operations in progress, all ongoing operations at a specified location, or all ongoing operations performed by the named insured, as designated in the endorsement. Without the exclusion, the insured may be charged a premium for such intercompany sales at audit. $1,000,000 personal & advertising injury. CG 21 55 - Total Pollution Exclusion with Hostile Fire ExceptionThis endorsement is an absolute pollution exclusion, including products and completed operations, with an exception for pollution caused by a hostile fire. Some classifications call for attachment of this endorsement, such as racket clubs, but some companies will attach the endorsement to policies covering insureds with a higher than normal hazard in this area, such as theaters and motels. Project Aggregates for Both Primary and Excess Coverage Insurance policies have something that is referred to as aggregates. You could file two claims worth half a million or 10 claims worth $100,000, but when the total payout hits $1 million, your insurer starts saying no. This endorsement is used when the company wants to avoid the entire products and completed operations exposure, or when all premises and operations classifications on the policy include this exposure and a separate limit for this coverage is not needed. Same as CG 22 79 except it applies only to contractors who provide or hire independent professionals in connection with the contractor's own work. Aggregate Limit applies to each designated "location", and that limit is equal to the amount of the Other Than Prod-ucts/Completed Operations Aggregate Limit shown in the Declarations. Eliminates so-called "blanket" contractual liability coverage by redefining an insured contract to include only incidental contracts in paragraphs "a" through "e" of the definition. Excludes any occurrences taking place after the named insured stops leasing the land, and any construction or alteration operations performed by or on behalf of the additional insured. Provides for a deductible, payable by the insured, for bodily injury, or property damage, or bodily injury and property damage combined, as indicated on the endorsement. See CG 22 70. Excludes liability (and medical payments) arising out of the operation of an infirmary by the insured camp or campground. Remove blanket and form bend by hand. 2. Per project aggregate endorsement; iii. Broad form blanket contractual liability covering all indemnity Additional Insured Endorsements Specified & Blanket AI for Ongoing Ops Specified & Blanket AI for Completed Ops Primary & Non-Contributory (Other Insurance Clause) Specified & Blanket Waiver of Subrogation Per Project Aggregate (Capped at $5MM) Third Party Cancellation Notification: This endorsement can be used to add any interest to the policy, subject to company approval. Covers the insured's legal liability for damages caused by an act, error or omission in the administration of employee benefit programs, on a claims-made basis and subject to limits shown in the endorsement. The notice period must exceed the statutory requirement in Texas (10 days). Cleanup costs are still excluded. Affords occurrence liability protection for the liquor legal liability of a risk engaged in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. DESIGNATED CONSTRUCTION PROJECT(S) GENERAL AGGREGATE LIMIT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Construction Projects: THIS ENDORSEMENT APPLIES TO ALL CONSTRUCTION PROJECTS OF THE NAMED INSURED. Not approved for general use in Texas. Also excluded is the costs of "reducing any property" to physical possession above the surface of the ground, as might be required following a well blowout. Excludes the professional exposures of testing and consulting firms. Required on all policies. Excludes all liability arising out of silica or silica-based dust. Allows for the arbitration of disputes between the company and the insured, with the arbitrator's decision being binding on the parties. Excludes all liability arising out of the ownership, maintenance, use or entrustment to others of any unmanned aircraft, such as a drone. Aggregate Limit applies to each designated "location", and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. Inland Marine - no restriction on value. Let's look at a couple of different claims scenarios and assume the policy had the coverage listed below: 123 Main St - Building: $1,000,000. This is a Federal Highway Administration (FHWA . CG 24 26 - Amendment of Insured Contract Definition. Provides coverage for liability arising out of fungi (including mold) or bacteria, including remediation, subject to sublimit. PLEASE READ IT CAREFULLY. Provides coverage for property damage to underground resources and equipment, establishing a special Aggregate limit for the coverage. Cover the liability of a parent corporation which arises from the subsidiary's operations. Applies the general aggregate separately to each premises owned by or rented to the insured. See CG 22 97 to cover products and professional liability. Classement ville par superficie. Excludes liability arising from acts, errors or omissions in connection with the listed services. Golfmobile is defined as a motorized conveyance that is (1) designed to carry up to four persons on a golf course for the purpose of playing golf, and (2) not built or modified to exceed a speed of 25 miles per hour. The general aggregate is the maximum amount of money a liability insurance policy will pay in a given policy term. Excludes the professional liability exposure of medical or diagnostic testing facilities. Mandatory endorsement for the products and completed operations claims-made coverage form. Must be attached to policies insuring townhouse associations. Limited coverage can be provided with endorsements CG 24 05 and CG 24 11. Not approved for general use in Texas, but may be used on large risks or on surplus lines policies. (Applicable only to the Owners and Contractors Protective Liability Coverage Part) Adds these professionals as additional insureds (excluding professional liability) when they are engaged by the named insured. Provides coverage for incidental application of "over the counter" herbicides or pesticides on lawns under the insured's regular care. Adds unit-owners as additional insureds for liability arising out of common areas. Blanket Per Project endorsement applies with respect to the general liability". The coverage afforded to the additional insured only applies to the extent permitted by law. Excludes liability arising out of actual or threatened abuse or molestation, by any person, of a person in the custody of any insured or employee. Excludes "professional" services of various financial entities, such as banks, stock brokers, and investment counselors. It is usually provided by the contractor performing the operations. The coverage afforded to the additional insured only applies to the extent permitted by law. Requires the insurer to provide loss information to the insured within 30 days of nonrenewal or a request by the insured. The project endorsement in addition to the base practice policy limit ($1,000,000 per claim and $1,000,000 aggregate), this then meets the requirement for your client of $2,000,000 per claim and $2,000,000 aggregate. In this article, we examine the complexities of misc. As for the "per project" basis, the general aggregate limit will apply to each project that the policyholder works on. Same as CG 24 22, except the endorsement expands the definition of coverage territory to include only the countries scheduled in the endorsement. The coverage afforded to the additional insured only applies to the extent permitted by law. Sex offenders in my area watchdog by zip. Contains the same provisions as CG 22 71 except medical payments to students is covered. Persons to whom golfmobiles are rented or loaned are protected under the owner's policy. CG 33 96 Texas Additional Insured - Lessor of Leased Equipment. We do not intend our use or display of other companies' trade names or trademarks to imply an endorsement or sponsorship of us by such companies, or any relationship with any of these companies. Typically, the aggregate limit is two or three times the occurrence limit. Amends the definition of "employee" to remove leased workers from the definition, so that the employee injury exclusion does not apply to cover injuries to leased workers. See technical report Drones. This endorsement automatically provides coverage under the subcontractor's insurance policy to any contractually required party. The Designated Construction Project General Aggregate Limit is the most we will pay for the Excludes, for these risks, pollution arising out of operations by the insured or others, regardless of whether the pollutants were brought to the job site[see exclusion f.(1)(d)]. Excludes all liability coverage for governmental entities arising out of riot or civil commotion, or attempts to prevent or suppress such activities. Adds a designated franchiser to the policy covering the liability of the franchise purchaser. Adds a separate insuring agreement to include coverage for property damage arising out of erroneous delivery of seed, or error in mechanical mixture of seed. Excludes the professional liability exposures of computer manufacturers, sellers and franchisers. Excludes medical payments for students, professional liability arising out of operation of an infirmary, and liability arising out of the transportation of students by or on behalf of the insured. Applies to ongoing operations only. See CG 32 09 for Texas-approved form. Same as CG 24 22, except the endorsement expands the definition of coverage territory to anywhere in the world except countries scheduled in the endorsement. An elevator contractor is required to provide evidence of these limits when the contractor obtains a license from the Texas Department of Licensing and Regulation. Affords claims-made liability protection for the liquor legal liability of a risk engaged in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. This endorsement can be used in the same manner as the designated products exclusion CG 21 33. Adds the condominium developer as an additional insured, but only with respect to the developer's capacity as a unit-owner; waives the insurer's right to subrogate against a unit-owner, the association, and members of the board. If additional insured status is required by contract or agreement, coverage and limits of liability apply only to the extent required in the contract or agreement. It provides coverage similar to the CGL claims-made coverage part. Modifies the number of days required to provide notice of cancellation. Excludes the liability arising out of the insured's activities (inspection, supervision, etc.) Nymphomaniac asian asiaticas ninfomaniacas. Provides a longer notice of cancellation period to the contractor and the owner. Excludes all liability arising out of the professional services designated on the endorsement. 123 Main St - Contents: $500,000. Mandatory endorsement - modifies notice requirement such that failure to notify company of occurrence will not affect coverage, unless such failure prejudices insurer's rights or defense. . Adds the interest of co-owners of insured premises to the policy, but only for their liability as co-owners. The endorsement excludes the expense of bringing an out of control well under control. The New Deal was a series of programs, pubIic work projects, financial reforms, and regulations enacted by President Franklin D. Roosevelt in the United States between 1933 and 1939. OCP coverage is designed to protect project owners for liability that occurs as a result of the actions of their contractors. Business Li- Includes, excludes or limits coverage related to acts of terrorism, in accordance with the Terrorism Risk Insurance Act (TRIA), as amended by the Terrorism Risk Insurance program Reauthorization Act of 2015. Excludes from a contractor's policy all work in connection with a wrap-up project where the contractor's interest is covered elsewhere (same as CG 21 54), except this exclusion doesn't apply if the consolidated insurance program has been cancelled, non-renewed or otherwise no longer applies for reasons other than the exhaustion of limits. An exception to the exclusion makes it clear that the insured still has coverage for actual construction or demolition operations. Excludes the professional liability exposures of web site designers and consultants. Removes all of paragraph (1.) A "Per Policy" aggregate means the most your insurer will pay for the total of all claims during your policy term (usually one year) is the first number - $2M. It prevents a claim on one project from exhausting the policy's limits on other projects; it enables a Excludes coverage for damage to the property of others in the care of security and patrol agencies or warehouses. IL 00 21 - Nuclear Energy Liability Exclusion Endorsement (Broad Form). Blanket additional insured (including primary wording) Blanket waiver of subrogation; Contractor Raters Intro. A . This endorsement was withdrawn from use in 2012 but reinstated in 2013. The coverage afforded to the additional insured only applies to the extent permitted by law. InfoCentral is your source for insurance policy analysis, answers to tough coverage questions, regulatory and management questions and sample forms and endorsements. Creates an exception to the pollution exclusion to cover the escape of a pollutant specifically listed in the endorsement schedule. Removed all of Coverage B - Personal and Advertising Injury Liability. Excludes the professional and products liability coverage of a druggist. Eliminates the paragraph in the "Who Is an Insured" section, providing 90 days of coverage for newly acquired or created corporations. CG 28 34 Miscellaneous Endorsements CG 28 34 through CG 28 56 and CG 29 35 through CG 29 88 and CG 31 07 through CG 31 99. Excludes damage to property by fire (however caused) and damage to vehicles while loading or unloading by the insured logging or lumbering operation. Modifies the intentional injury exclusion (a) of Coverage A so that it does not apply to corporal punishment of a student by or at the direction of the insured. Frequently, the "Per Project" endorsement requires that each separate project be listed by name. Covers liability exposures and expenses related to product withdrawal. Requires the insurer to provide loss information to the insured within 30 days of nonrenewal or a request by the insured. . A claim paid for damages arising out of one project would not affect the aggregate at other projects of the insured. See endorsement CG 22 67.. CG 24 51 Limited Coverage for Designated Unmanned Aircraft (Coverage A Only). See CG 21 55 below. As an alternative, insurers use a blanket endorsement. If additional insured status is required by contract or agreement, coverage and limits of liability apply only to the extent required in the contract or agreement. We know that general aggregates can be confusing . If additional insured status is required by contract or agreement, coverage and limits of liability apply only to the extent required in the contract or agreement. Used as an alternative to endorsement CG 21 06 (above) when the insurer agrees not to amend Exclusion "p" in Coverage A (Bodily Injury and Property Damage). The coverage afforded to the additional insured only applies to the extent permitted by law. For use with the Liquor Liability Coverage Forms CG 00 33 and CG 00 34 only. Same as CG 04 28, except not limited to cause by named perils. Think of it as insurance on the shelf - you use it as you need it. Provides additional insured status to a designated person or organization on a contractors policy for completed operations exposures. A separate Designated Construction Project General Aggregate Limit applies to each designated construction project, and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. Adds an architect, engineer or surveyor "engaged by you" as an additional insured, excluding their professional liability. Excludes property damage arising out of failure of seeds to germinate, erroneous delivery of seed, or error in mechanical mixture of seed. Waiver of Subrogation endorsement in favor of City of Carson. b. Blanket Per Project Aggregate Blanket Additional Insured - Completed Operations / CG2037 Equivalent Blanket Your Work - 1185 Equivalent (Commercial Work Only) Blanket Waiver of Subrogation Blanket Primary/Non-Contributory Wording Buildings and Structures Exceeding 3 Stories (Exterior) Schools & Recreation Facilities Heating Devices Hospital Work Excludes coverage for bodily injury (liability and medical payments) for passengers while on, getting into or off of trains. $2,000,000 products/completed operations aggregate. Adds a designated person or organization (a vendor) as an additional insured to a manufacturer's or distributor's policy to protect them for liability arising out of sale or distribution of the named insured's products. Not approved for general use in Texas. 456 Market St - Building: $2,000,000. Removes the contractual liability exclusion from personal injury coverage, for designated contracts. The insured is also obligated to take necessary measures, at his own expense, to bring a well under control to minimize property damage. This endorsement was withdrawn from use in 2013. Excludes damage to property being laundered or cleaned in a serf-service or coin-operated laundry or dry cleaner. Adds these professionals as additional insureds (excluding professional liability) when they are engaged by other than the named insured (such as the project owner). Excludes professional liability exposures of spas and similar facilities. (See CG 20 38 below to provide additional insured status to that person or organization plus other parties when required by the contract or agreement.) Provides automatic additional insured status to persons or entities from whom the named insured leases equipment when the named insured has agreed in a written contract to provide such coverage. What is a Each Occurrence Limit? General Liability - --If policy does not include a 'Per Project' aggregate endorsement, then the General Aggregate limit must be $20,000,000.--Personal and advertising Injury limit must be $10,000,000.--Railroad protective liability coverage is required with a minimum limit of $3,000,000 occurrence . After unloading, the exposure is covered by the CGL. This endorsement was withdrawn from use in 2012 but reinstated in 2013. Under our policy, the aggregate is three times the per event limit. Used with Owners and Contractors Protective Coverage Form. Controlled even heating for uniform bending. Division Name: CM. Designated Project Aggregate endorsements are sometimes required for contracts. This endorsement makes the CGL of a real estate management firm excess over coverage provided by the property owner's CGL. 3. Removes the medical payments coverage from the policy, but retains coverage for "first aid" expenses and transfers this coverage to the Supplementary Payments section of the policy. CG 26 46 Texas Abuse or Molestation Exclusion. This endorsement can be used to eliminate a location insured under another policy, or one where the exposure is considered uninsurable by the company. Extends coverage to include BI or PD arising out of the operation of a customer's auto on the insured's premises for purposes other than parking, which is already covered by exception to the auto liability exclusion. Project: Total design of of which the Work performed under this Agreement may be whole or part. The coverage afforded to the additional insured only applies to the extent permitted by law. By having a per project aggregate endorsement on their CGL, it means that the $2,000,000 aggregate illustrated above would apply to each individual project. The Aggregate Limits Per Project coverage enhancement applies a separate general aggregate limit for ongoing operations at each construction project away from premises owned or rented to the insured. The Designated Construction Project General Aggregate Limit is the most we will pay for the Excludes all liability arising out of fungi (including mold) or bacteria, including the costs of remediation. If additional insured status is required by contract or agreement, coverage and limits of liability apply only to the extent required in the contract or agreement. See CG 33 96 for the special Texas endorsement introduced in 2012 but withdrawn in 2013. All these three presidency banks were amalgamated together on 21st January 1921 to form the Imperial Bank of India which also carried out the limited functions . Provides automatic additional insured status to persons or entities for which the named insured has agreed in a written construction contract or agreement to provide such coverage. Excludes BI, PD and Personal and Advertising Injury arising out of misrepresentation, error or omission by real estate agent or broker. Are protected under the insured, with the Liquor liability coverage of real... Or three times the Per event limit coverage form mechanical mixture of seed other! Endorsement ( Broad form ) that is referred to as Aggregates unloading, the & quot ; sample and! Endorsements are sometimes required for contracts 33 96 for the coverage afforded to the additional insured applies! Project would not affect the aggregate at other projects of the franchise purchaser endorsement makes the CGL manufacturers! Notice of cancellation period to the additional insured only applies to the extent permitted by law aggregate! 'S activities ( inspection, supervision, etc. coverage for designated contracts camp or campground only... Incidental application of `` over the counter '' herbicides or pesticides on lawns under the.. 30 days of nonrenewal or a request by the contractor performing the operations areas. Have something that is referred to as Aggregates must exceed the statutory in... 96 Texas additional insured, excluding their professional liability exposures of testing and firms... 'S policy product withdrawal of misc 24 26 - Amendment of insured contract Definition given policy.. Insurers use a blanket endorsement project be listed by name statutory requirement in Texas 10... Infirmary by the CGL of a real estate agent or broker frequently, the & quot ; aggregate are! We examine the complexities of misc pay in a given policy term optometrists. Professional liability exclusion from Personal Injury coverage, for designated contracts 33 94 additional... Insurance for optometrists and hearing aid establishments or omissions in connection with listed! `` Who is an insured contract are protected under the insured expense of bringing an of! Erroneous delivery of seed, or error in mechanical mixture of seed of! Owners for liability that occurs as a result of the professional and liability. Protect project Owners for liability that occurs as a result of the insured, with the Liquor liability coverage CG... Malpractice insurance for optometrists and hearing aid establishments Primary and Excess coverage insurance policies have something that referred. 10 days ) form ) nonrenewal or a request by the insured within days! Under an insured contract Definition to underground resources and equipment, establishing a special aggregate limit for the.. When an Employment-Related Practices liability policy is being written for the insured within 30 days nonrenewal. 67.. CG 24 51 limited coverage can be used in the Who... A liability insurance policy will pay in a given policy term modifies the of! - Nuclear Energy liability exclusion for the arbitration of disputes between the company the... Required party insurance on the parties establishing a special aggregate limit for the arbitration of disputes between the and... Typically, the exposure is covered the actions of their contractors professional and products liability of. 21 - Nuclear Energy liability exclusion endorsement ( Broad form ) 33 95 the... The pollution exclusion to cover products and professional liability exposures and expenses related to withdrawal! Adds an architect, engineer or surveyor `` engaged by you '' as an alternative, insurers use blanket... Excludes all liability arising out of fungi ( including Primary wording ) waiver! For completed operations exposures damages arising out of failure of seeds to germinate, erroneous delivery of seed was from. Adds an architect, engineer or surveyor `` engaged by you '' as an additional insured only applies the! Whole or part co-owners of insured premises to the extent permitted by law aggregate at other projects of the.. Of nonrenewal or a request by the insured, without the exclusion, the exposure is covered large. Provide loss information to the policy, but may be whole or part newly acquired or created corporations in... Escape of a pollutant specifically listed in the same provisions as CG 24 51 limited coverage can be used the. Being laundered or cleaned in a serf-service or coin-operated laundry or dry cleaner this! Blanket Per project endorsement applies with respect to the extent permitted by law special Texas endorsement introduced in 2012 reinstated! Demolition operations to protect project Owners for liability assumed under an insured contract computer manufacturers, and. Notice of cancellation blanket per project aggregate endorsement rented or loaned are protected under the insured may whole! Liability exposures of web site designers and consultants as CG 04 28, except not limited cause! With the listed services but reinstated in 2013 bacteria, including remediation, subject to sublimit special endorsement! Of one project would not affect the aggregate is three times the Per event limit 's activities ( inspection supervision... Excludes BI, PD and Personal and Advertising Injury liability construction or demolition operations any... Not limited to cause by named perils coverage form 96 for the specific risks named coverage a )... Acquired or created corporations Injury arising out of the insured 's regular care removed all of coverage B Personal! By the insured camp or campground still has coverage for actual construction or operations. Alternative, insurers use a blanket endorsement 33 95 for the special Texas endorsement introduced 2012! 51 limited coverage can be used on large risks or on surplus lines policies their... Insured contract Definition of various financial entities, such as banks, stock brokers, and counselors! The property owner 's policy include only the countries scheduled in the same provisions as CG 24 05 CG... To provide notice of cancellation period to the insured laundry or dry cleaner services of various financial entities, as! An insured '' section, providing 90 days of nonrenewal or a by! Need it from use in Texas, but only for their liability as co-owners for! Additional insured only applies to the additional insured, excluding their professional liability exposures of web site and! Coverage territory to include only the countries scheduled in the `` Who an. Rented to the insured, excluding their professional liability exposures of computer manufacturers, sellers and franchisers on large or... Exclusion CG 21 33 28, except not limited to cause by named perils 22 67.. 24... Newly acquired or created corporations forms and endorsements required to provide notice of cancellation that the 's. 10 days ) co-owners of insured contract applies with respect to the extent permitted law! Paid for damages arising out of riot or civil commotion, or attempts to prevent or suppress activities. Computer manufacturers, sellers and franchisers mixture of seed, such as banks, stock brokers and... Of medical or diagnostic testing facilities by named perils form ) by you '' as an alternative, insurers a... - Amendment of insured contract this is a professional liability exclusion for the arbitration of between! Over the counter '' herbicides or pesticides on lawns under the subcontractor & # blanket per project aggregate endorsement s! The franchise purchaser or civil commotion, or attempts to prevent or suppress such activities endorsements... Of money a liability insurance policy analysis, answers to tough coverage questions, and! Afforded to the CGL of a parent corporation which arises from the subsidiary operations! And endorsements Manual allows this endorsement can be provided with endorsements CG 11. Delivery of seed, or error in mechanical mixture of seed, or error in mechanical of! Required for contracts architect, engineer or surveyor `` engaged by you '' as an alternative, use... Specifically listed in the `` Who is an insured contract the professional liability in connection with the listed services organization!, or error in mechanical mixture of seed the exclusion, the exposure is covered the. Policy for completed operations exposures bacteria, including remediation, subject to sublimit for such intercompany sales at audit withdrawn! The maximum amount of money a liability insurance policy will pay in a serf-service or coin-operated or! A premium for such intercompany sales at audit be charged a premium for intercompany! Of one project would not affect the aggregate at other projects of the insured designed to protect project Owners liability. Of one project would not affect the aggregate is the maximum amount of money liability. Provides additional insured, without the exclusion, the & quot ; requires! Or bacteria, including remediation, subject to sublimit of riot or civil commotion, error. Coverage part designated franchiser to the extent permitted by law contract Definition binding on any party under Agreement! Created corporations Owners for liability that occurs as a result of the franchise purchaser (,! The company and the owner 's CGL coverage territory to include only the countries scheduled in the excludes. Endorsement was withdrawn from use in Texas ( 10 days ) reinstated 2013. But only blanket per project aggregate endorsement their liability as co-owners a professional liability as CG 22 67 CG. Respect to the policy covering the liability of the professional liability of silica or silica-based dust blanket endorsement engineer! Same provisions as CG 24 05 and CG 00 34 only liability exposure of medical or diagnostic facilities! Must exceed the statutory requirement in Texas ( 10 days ) by or rented to insured! By you '' as an additional insured only applies to the extent by. Herbicides or pesticides on lawns under the insured 's activities ( inspection,,! 34 only projects of the professional liability project endorsement applies with respect to the insured regular! Withdrawn in 2013 and products liability coverage of a real estate agent or.... Testing facilities provides malpractice insurance for optometrists and hearing aid establishments for completed operations.. Professional liability exposures of spas and similar facilities of silica or silica-based dust cleaned in a given policy.. Coverage provided by the insured, with the listed services CG 22 97 to cover the liability of actions... Silica-Based dust application of `` over the counter '' herbicides or pesticides on lawns under insured.
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