What it does
CG 22 79 adds Coverage A and B exclusions for injury or damage arising out of the rendering of or failure to render professional services by or for the named insured, but only for: (a) providing engineering, architectural or surveying services to others as an engineer, architect or surveyor, and (b) providing, or hiring independent professionals to provide, such services in connection with construction work the insured performs.
Who needs it
Design-build firms, contractors that prepare shop drawings or engineered systems, and contractors that hire engineers for their projects.
Key provisions and limits
- Applies even when the claim alleges negligent supervision, hiring, employment, training or monitoring.
- Includes a definition of professional services covering maps, drawings, opinions, reports, surveys, change orders, specifications and related supervisory or inspection activities.
Quoting and selling notes
- Pair with contractors professional liability. Compare with CG 22 80, which does not exclude services hired in connection with the insured's own construction work.
Contract and coverage checklist
- Design-build and design-assist contracts usually require contractors professional liability; this exclusion confirms the CGL will not respond to design errors.
- Contractors that hire engineers for shoring, scaffolding or temporary works design are affected by paragraph b; ask about these arrangements.
- Contractors professional policies are claims-made; maintain the retroactive date and check for coverage of rework (own work) costs.
