What it does
CG 22 43 adds Coverage A and B exclusions for injury or damage arising out of the rendering of or failure to render any professional services by the named insured or any engineer, architect or surveyor employed by it or working on its behalf in that capacity. Professional services include preparing or approving maps, shop drawings, opinions, reports, surveys, field orders, change orders, drawings and specifications, and supervisory, inspection, architectural or engineering activities.
Who needs it
Design firms whose professional exposures belong on an architects and engineers professional liability policy. The CGL then covers premises and non-professional operations (office slip-and-fall, auto-free site visits).
Key provisions and limits
- Like most ISO professional exclusions, it applies even when the claim alleges negligent supervision, hiring, employment, training or monitoring of others, if the occurrence or offense involved the excluded service.
Quoting and selling notes
- Confirm the client carries A&E professional liability; the CGL will not respond to most site injury claims tied to design or inspection.
- Contractors with incidental design work use CG 22 79 or CG 22 80 instead.
