1. Forms
2. CG
3. CG-22-71

What the form is

The CG 22 71, titled "Colleges Or Schools (Limited Form)", is an endorsement to the standard Commercial General Liability (CGL) Coverage Part. Its primary purpose is to modify and limit coverage for the specific risks associated with educational institutions. It carves out certain exposures that are either covered by other policies or that insurers wish to exclude or limit under the standard CGL for schools.

Classes of business it applies to

This endorsement is specifically designed for educational institutions, including:

• Colleges
• Universities
• Junior Colleges
• College Preparatory Schools
• Other types of schools

For example, a university using this endorsement would find that injuries to students during school-sponsored transportation, or medical expenses for a student injured on campus (under Coverage C - Medical Payments), are generally excluded by this form.

Special considerations

There are several important considerations when using the CG 22 71:

• Mandatory Attachment: For certain ISO classifications related to schools, the attachment of either CG 22 71 or CG 22 72 (Colleges Or Schools) is often mandatory.
• Exclusion of Medical Payments to Students: A key feature of this "Limited Form" is the exclusion of Medical Payments (Coverage C) for bodily injury to students of the insured institution. If coverage for student medical payments is desired, the CG 22 72 endorsement would be more appropriate.
• Transportation Exclusion: The form excludes liability arising out of the ownership, maintenance, use, or entrustment to others of any auto, aircraft, or watercraft for the transportation of students. This applies whether the transportation is provided by the school itself or by a hired contractor. For instance, if a student is injured while being transported on a school-owned or hired bus, this endorsement would typically exclude coverage for that incident under the CGL.
• Infirmary Professional Liability Exclusion: Liability arising out of the rendering of or failure to render professional services in connection with an infirmary that has lodging facilities is excluded. If the infirmary does not have lodging, this specific exclusion may not apply.
• Amendment to "Who Is An Insured": The endorsement amends Section II - Who Is An Insured to include trustees, members of any board of governors or commissions, and student teachers as insureds, but only while acting within the scope of their duties for the school.
• Negligent Supervision (Sports): The 12 19 edition of this form includes revisions clarifying that negligent supervision language also applies to the participation or practicing of any sports or athletic contests or exhibitions under both Coverage A (Bodily Injury and Property Damage Liability) and Coverage B (Personal and Advertising Injury Liability). This addresses situations where an injured athlete might be allowed to continue playing, leading to further injury.

Key information for agents and underwriters

• Risk Assessment: This form significantly alters the CGL for schools. Agents and underwriters must carefully assess the school's specific exposures, particularly concerning student transportation, on-site medical facilities (infirmaries), and athletic programs.
• Coverage Gaps: The exclusions for student medical payments and student transportation create notable coverage gaps that may need to be addressed through other policies (e.g., Auto, Accident insurance, or specific Professional Liability for infirmaries).
• Form Selection (CG 22 71 vs. CG 22 72): The decision to use CG 22 71 (which excludes student med pay) versus CG 22 72 (which allows student med pay) is critical and depends on the desired coverage structure and risk appetite.
• Underwriting Guidelines: Underwriters should be aware of ISO's classification notes that may mandate the use of this endorsement or CG 22 72 for school risks. The specific edition date of the form is also important, as revisions (like the 12/19 changes regarding sports supervision) can impact coverage.
• Pricing: The limitations imposed by this endorsement, particularly the exclusion of student medical payments, should be a factor in pricing the CGL policy for a school.