What it does
CG 20 31 modifies the Owners And Contractors Protective Liability Coverage Part (not the CGL). It adds any architect, engineer or surveyor engaged by the named insured as an additional insured for "bodily injury" or "property damage" caused, in whole or in part, by the named insured's acts or omissions in connection with its premises or in the performance of its ongoing operations.
Who needs it
Owners and upstream contractors who are the named insured on an OCP policy (CG 00 09) bought for a project, where the design team must be covered as well.
Key provisions and limits
- Same professional services exclusion as CG 20 07 (plans, drawings, opinions, reports, surveys, specifications, supervisory and inspection activities).
- Because the OCP form has no personal and advertising injury coverage, the grant is limited to bodily injury and property damage.
- Coverage applies only to the extent permitted by law.
- Contract-based limits: coverage is no broader than any contract requires, the most paid for the additional insured is the lesser of the contract-required amount or the policy limits, and the endorsement does not increase limits.
Quoting and selling notes
- On a CGL use CG 20 07.
