What it does
CG 00 09 is a stand-alone liability policy issued to the project owner (or other principal) as named insured. It pays damages because of "bodily injury" or "property damage" caused by an occurrence and arising out of (a) operations performed for the named insured by the "contractor" at the location specified in the Declarations, or (b) the named insured's acts or omissions in connection with the general supervision of those operations, where the injury occurs during the policy period.
Who needs it
Public works, DOT and municipal projects, utility and commercial owners that require OCP rather than (or in addition to) additional insured status. The contractor normally buys and pays for it.
Key provisions and limits
- Separate limits apply to the OCP policy and do not erode the contractor's own CGL.
- Coverage is for ongoing operations; completed operations are generally not covered.
- Endorsements specific to OCP include CG 20 31, CG 29 35, CG 29 88, CG 28 07 and CG 34 46.
Quoting and selling notes
- Premium is usually based on the contract cost; the declarations (CG DS 02) name the contractor and project.
- An OCP policy is not a substitute for being named additional insured on the contractor's CGL for completed operations; contracts often require both.
Contract checklist
- The contract usually names the OCP named insured, limits and project; mirror the exact wording on the declarations (CG DS 02).
- Railroads use Railroad Protective Liability (CG 00 35), not OCP.
- Ask whether completed operations coverage is required; the OCP form does not cover injury or damage after the contractor's work is completed or put to its intended use, so contracts often also require AI status on the contractor's CGL.
- Waiver of subrogation and AI requests on the OCP use OCP-specific forms (CG 29 88, CG 20 31, CG 29 35).
