Although the endorsements are presented numerically, they are listed below alphabetically for ease in locating.

Topics covered:
Abuse or molestation exclusion CG 21 46
Additional insured—designated person or organization CG 20 26
Additional insured—grantor of licenses CG 20 36
Additional insured—owners, lessees, or contractors CG 20 09
Additional insured—owners, lessees, or contractors CG 20 10
Additional insured—owners, lessees or contractors—completed operations CG 20 37
Additional insured—vendors CG 20 15
Amendment of coverage territory—worldwide coverage CG 24 22
Amendment of limits of insurance designated project or premises CG 25 01
Contractual liability limitation CG 21 39
Coverage for injury to leased workers CG 04 24
Deductible liability insurance CG 03 00
Employee benefits liability coverage CG 04 35
Employment-related practices exclusion CG 21 47
Exclusion—all hazards in connection with designated premises CG 21 00
Exclusion—coverage C—medical payments CG 21 35
Exclusion—damage to work performed by subcontractors on your behalf CG 22 94
Exclusion—designated professional services CG 21 16
Exclusion—employees as insureds CG 21 37
Exclusion—internet service providers and internet access providers errors and omissions CG 22 98
Exclusion—products/completed operations hazard CG 21 04
Exclusion—volunteer workers CG 21 66
Exclusion—year 2000 computer-related problems CG 21 60
Exclusion—year 2000 computer-related problems CG 21 62
Exclusion—year 2000 computer-related problems CG 21 63
Hazardous material contractors CG 22 78
Limitation of coverage to designated premises or project CG 21 44
Limited pollution liability extension endorsement CG 24 15
Limited product withdrawal expense endorsement CG 04 36
Pollution exclusion—limited exception CG 04 29
Pollution exclusion—limited exception for designated pollutant(s) CG 04 30
Pollution exclusion—named peril limited exception CG 04 28
Pollution liability coverage extension CG 04 22
Professional liability exclusion computer software CG 22 75
Professional liability exclusion—web-site designers CG 22 99
Products/completed operations hazard redefined CG 24 07
Total pollution exclusion endorsement CG 21 49
Total pollution exclusion endorsement CG 21 65
War or terrorism exclusion CG 21 69
Year 2000 computer-related problems CG 04 31

Deductible Liability Insurance

CG 03 00 01 96

Unlike property forms, the commercial general liability forms do not contain a deductible. This endorsement allows the insured and the insurer to schedule a per claim or per occurrence deductible for either bodily injury or property damage, or for both coverages combined.

On a per claim basis, the deductible applies to all damages sustained by any one person as the result of any one occurrence. With respect to property damage, the term “person” includes an organization. If damages are claimed for care, loss of services, or death resulting at any time from bodily injury, a separate deductible amount will be applied to each person making a claim for such damages.

On a per occurrence basis, the deductible applies to all damages that are the result of any one occurrence, regardless of the number of persons or organizations that sustain damages. The insurer reserves the right to pay any part or all of the deductible amount in order to effect settlement of any claim or suit; if this is done, the insured must reimburse the insurer.

Deductibles are available for both the premises-operations and the products-completed operations exposures. The amounts vary from $250 to $25,000 (even more, if the parties to the insuring agreement concur) and any premium credits are decided by the insurer.