What it does
CG 21 44 rewrites the insuring agreements. Coverage A applies only if the bodily injury or property damage occurs on the premises shown in the schedule (or their appurtenant grounds and structures) or arises out of the project or operation shown in the schedule. Coverage B applies only to offenses arising out of the business performed on those premises or in connection with that project or operation. Coverage C medical payments is limited the same way. Separate wording applies to the occurrence form (CG 00 01) and the claims-made form (CG 00 02).
Who needs it
Single-location or single-project risks and businesses whose rating classification the carrier wants to enforce strictly. Most carrier "classification limitation" endorsements work in a similar way.
Key provisions and limits
- For false arrest and wrongful eviction offenses under the premises option, the offense must arise from business on the scheduled premises and be committed on those premises.
- Known-loss and policy-period conditions of the base form are repeated in the rewritten insuring agreements.
Quoting and selling notes
- Any operation not described is uninsured, even if minor or incidental. Compare the schedule wording against the client's full scope of work and future plans.
- The current CG 21 44 04 17 is the limitation endorsement.
