1. Forms
2. CG
3. CG-22-72

What the form is

The CG 22 72 Colleges Or Schools endorsement is designed to modify the standard Commercial General Liability (CGL) coverage form for educational institutions. Its primary function is to tailor the CGL policy to the specific risks and exposures faced by colleges and schools. A key feature of this endorsement is that, unlike its counterpart CG 22 71, it includes Medical Payments coverage for bodily injury to students. The endorsement also contains specific exclusions and clarifications, such as those pertaining to the transportation of students, professional liability for on-site medical facilities with lodging, and injuries arising from athletic activities.

Classes of business it applies to

This endorsement is specifically intended for educational institutions, including:

• Colleges
• Universities
• Junior Colleges
• College Preparatory Schools

Real-world example: A university would attach this endorsement to its CGL policy to ensure that if a student is injured in a slip-and-fall accident on a campus sidewalk, the university's Medical Payments coverage could respond to the student's medical expenses (up to the policy limits and subject to other terms).

Special considerations

There are several important considerations when using the CG 22 72 endorsement:

• Medical Payments for Students: The most significant aspect of this form, and its main differentiator from CG 22 71, is the provision of Medical Payments coverage for students. If CG 22 71 is used, medical expenses for students are excluded.
• Transportation Exclusion: The endorsement typically excludes coverage for bodily injury or property damage arising from the ownership, maintenance, use, or entrustment to others of any aircraft, auto, or watercraft owned, operated, hired, or loaned to any insured. This exclusion specifically includes contracts to furnish transportation of students to and from school. Therefore, separate auto liability coverage is crucial for student transportation exposures.
• Infirmary/Health Services Exclusion: Bodily injury or property damage arising out of the furnishing or failure to furnish professional services by an infirmary with lodging facilities is generally excluded. However, if the infirmary does not have lodging, this exclusion may not apply.
• Athletic or Sports Exclusion: The endorsement typically includes an exclusion for bodily injury to any person while practicing for or participating in any sports or athletic contest or exhibition if there is no direct management, organization, or supervision of such activities by the insured. Revisions have clarified that negligent supervision-related language applies to this exclusion.
• Mandatory Endorsement: For certain ISO classifications related to schools, the use of either CG 22 71 or CG 22 72 is mandatory.

Real-world example: If a college hires a bus company to transport students for a field trip and an accident occurs, the CG 22 72 endorsement on the college's CGL policy would likely exclude coverage for injuries to students on the bus, emphasizing the need for the bus company to have adequate auto liability insurance and for the college to ensure its own auto coverage addresses hired auto exposures if applicable.

Key information for agents and underwriters

Agents and underwriters should pay close attention to the following when dealing with the CG 22 72:

• Selection of Correct Form: It is critical to discuss with the insured whether Medical Payments coverage for students is desired to determine if CG 22 72 (which includes it) or CG 22 71 (which excludes it) is appropriate.
• Transportation Exposures: Thoroughly assess the school's student transportation arrangements. Ensure the insured understands the CGL exclusion and has appropriate Business Auto coverage for owned, non-owned, and hired autos used for student transport.
• Health Services: Understand the nature of any on-campus health facilities. If there's an infirmary with lodging, professional liability for its services is likely excluded under the CGL, and separate professional liability coverage may be needed.
• Athletic Programs: Review the school's athletic programs and the level of direct management, organization, and supervision provided by the insured. This will impact how the athletic participation exclusion applies.
• Consistency with CGL: Note that revisions to exclusions like "Aircraft, Auto or Watercraft" are sometimes made to ensure consistency with the language in the base CGL coverage form.
• Pricing and Risk Assessment: The inclusion of student medical payments in CG 22 72 differentiates it from CG 22 71 and should be considered in pricing. The nature and extent of athletic programs and health services also impact the overall risk profile.