What it does
CG 21 43 applies the same XCU definitions as CG 21 42 but works in reverse: the listed hazards are excluded for all operations other than those specified in the schedule. Operations performed for the insured by others and the products-completed operations hazard are excepted, as in CG 21 42.
Who needs it
General contractors and specialty trades with occasional excavation, demolition or underground work.
Key provisions and limits
- Uses the explosion, collapse, underground property damage, structural property damage and underground property damage hazard definitions found in CG 21 42.
Quoting and selling notes
- Make sure every operation needing XCU coverage is listed.
- Underwriters will ask about utility locate (call-before-you-dig) procedures and shoring practices.
