What it does
CG 21 86 excludes "bodily injury", "property damage" and "personal and advertising injury" arising out of, caused by or attributable to, in whole or in part: (1) the design, manufacture, construction, distribution, sale, installation, application, maintenance or repair of any "exterior insulation and finish system" or substantially similar system, including related primers, flashings, coatings, caulking or sealants; and (2) "your product" or "your work" on any exterior component, fixture or feature of a structure where EIFS is used on that part of the structure.
Who needs it
Plastering and stucco contractors, siding, window and roofing contractors, general contractors and building product suppliers.
Key provisions and limits
- EIFS is defined as a non-load bearing exterior cladding or finish system made of a rigid or semi-rigid insulation board of expanded polystyrene and other materials, adhesive or mechanical fasteners, a base coat and a finish coat, and flashing of any kind.
Quoting and selling notes
- Paragraph 2 is broad: a window installer or roofer working on an EIFS-clad building can lose coverage for its own work.
- OCP and Products/Completed Operations coverage parts use CG 31 66 and CG 31 67.
