What it does
Carrier forms schedules list IH 00 91 as the Riggers Liability Coverage Form, and the ISO index lists Riggers Liability Declarations (IH DS 91, 12 11). Riggers liability addresses customer property in the rigger's care while it is lifted, moved or installed, which a CGL policy excludes as property in the insured's care, custody or control. ISO publishes this form in its IH series of commercial inland marine forms. IH forms are used within the Commercial Inland Marine Coverage Part, together with the Commercial Inland Marine Conditions (CM 00 01) and the Common Policy Conditions.
Who needs it
Contractors who lift or move customers' machinery and equipment.
Quoting and selling notes
Ask for largest lift value, crane and rigging equipment, job types, certifications and contract terms. Confirm whether the form responds only to legal liability or regardless of liability.
Before presenting it
ISO's IH forms are often adopted with carrier changes, and their wording differs from the filed CM forms. Obtain the carrier's specimen and walk the insured through covered property, property not covered, the exclusions, valuation, the deductible and any coinsurance or reporting condition, and match the limits to a current schedule of values.
