What it does
CG 22 71 applies to the operation of any college or school by or for the named insured. It: (A) replaces the aircraft, auto or watercraft exclusion so that "hired" includes any contract to furnish transportation of students; (B) excludes injury caused by medical, health, cosmetic and related services and by dispensing drugs or supplies if the school operates an infirmary with lodging and treatment or a public clinic or hospital; (C) excludes bodily injury from sports or athletic contests with no direct management, organization or supervision by an insured; (D) adds a Coverage C exclusion for bodily injury to the named insured's students; and (E) adds trustees or board of governors members (private institutions), board members or commissioners (public bodies) and student teachers as insureds for their duties.
Who needs it
K-12 schools, colleges, trade schools and universities written on ISO CGL forms.
Key provisions and limits
- The difference from CG 22 72 is the student medical payments exclusion; CG 22 72 does not remove Coverage C for students.
Quoting and selling notes
- Student transportation contracts (buses, field trips) need auto liability that covers hired autos.
- Offer student accident coverage when this form is used.
- Review abuse or molestation and corporal punishment exposures (CG 22 30, CG 22 67).
