AAIS CONTRACTORS SPECIAL POLICY AVAILABLE ENDORSEMENTS AND THEIR USES

(July 2023)

INTRODUCTION

This listing identifies endorsements available to modify the American Association of Insurance Services (AAIS) Contractors Special Policy. It is arranged by endorsement number and briefly describes the use of each endorsement. This section does not include any state specific endorsements, changes, or amendments.

ENDORSEMENT AND FORM NUMBERING

The lettering and numbering sequence of AAIS endorsements have a specific meaning.

The first two entries are alphabetical characters that identify the line of insurance. For example, AP denotes Artisans Program (Contractors Special Policy). Other entries are BP for Business Property, CP for Commercial Property and GL for Commercial Liability.
The alphabetical characters are followed by either three or four digits for a given form.
Although not used in this article, all endorsements include additional digits. They indicate the edition date of the endorsement expressed as either its edition number or in month and year format.

AP ENDORSEMENTS

AP 0225–Asbestos Exclusion

This endorsement adds exclusions for the liability exposures related to asbestos and asbestos-related products.

AP 0226–Additional Insured–Engineers, Architects, or Surveyors

This endorsement adds any engineer, architect, or surveyor the named insured uses as an additional insured. It does not provide professional liability coverage.

AP 0230–Silica Exclusion

This endorsement adds exclusions for the liability exposures related to silica and silica-related dust.

AP 0231–Exclusion–Water Damage

This is a mandatory endorsement. It replaces the Water exclusion in the policy and makes it more restrictive. It excludes waterborne material damage and water that backs up or is otherwise discharged through sewers and drains or other systems that remove subsurface water near foundations. It is an absolute exclusion in that it applies regardless of the cause of the water damage.

AP 0232–Additional Insured–Lessor of Premises

This endorsement adds as an additional insured the party on the endorsement schedule that leases the premises on the endorsement schedule to the named insured. Coverage applies only with respect to the named insured's legal liability for damages that relate to the leased premises. Coverage is for bodily injury, property damage, personal injury, or advertising injury caused by the named insured's acts or omissions or the acts or omissions of others that act on its behalf.

AP 0233–Exclusion–War and Military Action

This is a mandatory endorsement. It replaces the war exclusions in the policy for both liability and property coverages.

AP 0236–Additional Insured–Lessor of Leased Equipment

This endorsement adds liability coverage for the party on the endorsement schedule from whom the named insured leases equipment. It applies to that party's liability caused by the named insured's maintenance, operation, or use of the leased equipment.

AP 0301–Additional Insured–Designated Person or Organization

This endorsement adds the party on the endorsement schedule as an additional insured. Coverage applies only to its liability for bodily injury, property damage, personal injury, or advertising injury with respect to the named insured's designated interests listed on the endorsement schedule. The loss or damage must be due to the named insured's acts or omissions or the acts or omissions of others that act on its behalf.

AP 0303–Amendment of Contractual Liability Coverage

This endorsement restricts Supplemental Coverages–Contractual Liability f. to only bodily injury or property damage caused by the named insured or by others that act on its behalf.

AP 0309–Artisans Property Additional Coverage Endorsement 1

This endorsement adds certain coverages and limits of insurance for them. Glass coverage is amended to be on a replacement cost basis. Accounts Receivable, Computers, Contractors' Equipment, Installation Floater, Outdoor Signs, and Valuable Papers and Records coverages each have a $10,000 limit. The Rental Reimbursement limit is $2,500. In addition, Installation Floater coverage is subject to the fungus and related perils exclusions in AP 0360–Limited Fungus and Related Perils Coverage.

AP 0330–Water Backup and Overflow Coverage

This endorsement covers water that backs up or is discharged from sewers and drains. This includes other systems that remove subsurface water near foundations and water damage due to breakdown of mechanical equipment. Coverage applies at the location and for the covered property and limit on the endorsement schedule. This endorsement excludes repairing or replacing equipment damaged by mechanical breakdown and adds exclusions that relate to ordinary maintenance and proper condition of such equipment.

AP 0337–Additional Insured–Owners, Lessees, or Contractors–Automatic Status

This endorsement provides additional insured status to any party for whom the named insured performs work. Coverage applies only when there is a contractual obligation to include the party as an additional insured. Coverage is limited to the extent of the party's liability that results from the named insured's acts or omissions or the acts or omissions of others that act on its behalf. Coverage does not apply to the named insured's completed work.

AP 0338–Additional Insured–Owners, Lessees, or Contractors–Designated Person or Organization

This endorsement adds the party listed on the endorsement schedule as an additional insured. Coverage applies to bodily injury, property damage, personal injury, or advertising injury caused by the named insured's acts or omissions. This includes acts or omissions committed by others on the named insured's behalf with respect to the named insured's continuing work at the jobsite on the endorsement schedule. Coverage does not apply to the named insured's completed work. This endorsement differs from GL 113 because it does not list the location(s) of covered operations like GL 113 does.

AP 0339–Additional Insured–Engineers, Architects, or Surveyors Not Engaged by You

This endorsement adds the engineer, architect, or surveyor that the named insured does not engage on the endorsement schedule as an additional insured. Coverage applies for only that party's liability caused by the named insured's acts or omissions or the acts or omissions of others that act on its behalf with respect to the named insured's premises or ongoing work. It does not provide any professional liability.

This endorsement differs from GL 117 because it lists the specific engineer(s), architect(s), or surveyor(s) the named insured does not engage. GL 117 applies to all engineers, architects, or surveyors the named insured does engage without listing them.

AP 0340–Additional Insured–Lessor of Leased Equipment–Automatic Status

This endorsement provides additional insured status to any party from whom the named insured leases equipment. Coverage applies only when the named insured has a contractual obligation to include the party as an additional insured.

AP 0341–Additional Insured–Owners, Lessees, or Contractors–Completed Work

This endorsement includes the party on the endorsement schedule as an additional insured. Coverage applies to liability that results from the named insured's completed work performed at the location on the endorsement schedule.

AP 0342–Additional Insured–State or Political Subdivisions–Permits

This endorsement adds the state or political subdivision on the endorsement schedule as an additional insured. It applies to only work the named insured performs or work others perform on its behalf for which a permit is required that the scheduled subdivision issues. It does not apply to work done for the political subdivision or to the products/completed work hazard.

This endorsement differs from GL 111 because it has exclusions for bodily injury and property damage that arise out of the products/completed work hazard and for bodily injury, property damage, and personal and advertising injury that arise out of work the named insured performs for the state or political subdivision.

AP 0360–Limited Fungus and Related Perils Coverage

This property endorsement excludes fungus and related perils. It then adds a limited amount of coverage but only to the building and premises and for the limit entered on the endorsement schedule.

AP 0365–Virus or Bacteria Exclusion

This is a mandatory property endorsement. It excludes coverage for loss, cost, or expense caused by, that results from, or that relates to any virus, bacterium, or other microorganism that causes (or may cause) disease, illness, or physical distress.

AP 0611–Loss of Income Coverage 72-Hour Waiting Period–Property Coverages

This endorsement adds a 72-hour waiting period to the restoration period under Coverage C–Loss of Income.

AP 0621–Employment-Related Practices Liability Coverage–Claims-Made Basis

This liability endorsement provides limited coverage for employment-related practices on a claims-made basis. Defense costs are part of the limit, not in addition to it. This is a separate coverage that has its own limits and deductible.

AP 0643–Known Injury or Damage Amendments

This is a mandatory endorsement. It modifies the Coverage L–Bodily Injury Liability/Property Damage Liability and Coverage N–Products/Completed Work insuring agreements. Coverage applies only if the bodily injury and property damage is not a continuation of injury or damage the named insured knew about before the policy period began. It also revises the definition of designated insured to include any party that would usually know about this type of event.

AP 0644–Employment-Related Practices Liability Coverage–Extended Reporting Period

This endorsement is used with AP 0621–Employment-Related Practices Liability Coverage–Claims-Made Basis. It extends the time to report a claim to three years for an additional premium charge. It includes a separate aggregate limit that applies to claims received and recorded during the extended reporting period. This aggregate limit is the same as the aggregate limit in AP 0621.

AP 0658–Voluntary Property Damage Coverage

This liability endorsement covers property of others that the named insured damages while the property is in its care, custody, or control, or because of work the named insured performs. Coverage applies regardless of negligence. The endorsement has its own occurrence and aggregate limits.

This endorsement differs from GL 242 because it does not exclude mysterious disappearance or loss of use of property.

AP 0659–Contractors' Equipment

This property endorsement covers a variety of the named insured's equipment that it customarily uses in its contracting, installation, erection, repair, or moving operations and projects. Coverage applies to owned, leased, or rented equipment at job sites, regular or temporary storage locations, and while in transit. The equipment can be scheduled with specific limits or be written on a blanket basis with one limit. Actual cash value or replacement cost value options are available. AP 0660–Contractors' Equipment Schedule must be attached to provide limits.

AP 0660–Contractors' Equipment Schedule

This schedule is used with AP 0659–Contractors Equipment. It has spaces to enter either a blanket limit or a limit for each item of scheduled equipment. It has options for valuation on a replacement cost and/or actual cash value basis or a combination of the two.

AP 0661–Contractors' Tools

This property endorsement covers owned, leased, or rented contractors' tools at job sites, regular or temporary storage locations, and while in transit. It is also used to cover employees' tools when at a job site. Coverage is on a blanket basis. It is written on an actual cash value basis but replacement cost valuation is available as an option. The limit, a description of the tools, and whether or not replacement cost valuation applies are required entries on the endorsement schedule.

AP 0662–Installation Floater

This endorsement covers materials, supplies, machinery, fixtures, equipment, and similar property intended to become a permanent part of a construction, installation, or erection project. Coverage applies at job sites, regular or temporary storage locations, and while in transit for the limit(s) entered on the endorsement schedule. The endorsement schedule also has a space for a separate catastrophe limit for property at two or more locations when damaged in a single occurrence, such as at multiple job sites or storage locations. Coverage is also available for loss that results from testing materials, supplies, machinery, fixtures, or equipment intended to be a permanent part of a covered construction, erection, or installation project.

AP 0689–Exclusion–Wet Rot, Dry Rot, Bacteria, Fungi, or Protists–Contracting Operations

This endorsement excludes commercial liability coverage for mold-related injury or damage on contracting risks.

Note: Protists are a kingdom of organisms that resemble plants, animals, or both. They are usually one-celled but can be multi-celled and are sometimes colonial. They usually include protozoans, some fungi (as in slime molds), and most algae.

AP 0690–Exclusion–Exterior Insulation and Finish Systems

This endorsement excludes all coverage under commercial liability for loss, damage, or injury that results from any application or use of Exterior Insulation and Finish Systems (EIFS).

Note: EIFS is defined as an exterior wall cladding or finish system used on any part of any structure.

AP 0691–Limited Coverage for Losses by Wet Rot, Dry Rot, Bacteria, Fungi, or Protists

This endorsement covers bodily injury or property damage on a limited basis that results from ingesting, physical contact with, or inhaling wet rot, dry rot, bacteria, fungi, or protists. This coverage is subject to its own occurrence and aggregate limits entered on the endorsement schedule. However, bodily injury or personal injury losses that result from food poisoning (defined as a food-borne or beverage-borne form of bacteria that causes illness) are covered without restriction.

AP 0692–Exclusion–Damage to Work Performed by You or On Your Behalf

This liability endorsement eliminates the subcontractor exception from this exclusion. This results in much more restricted coverage.

AP 0693–Exclusion–Damage to Work Performed by You or On Your Behalf–Designated Locations or Projects

This liability endorsement eliminates the subcontractor exception from this exclusion but only at the locations or projects on the endorsement schedule. This results in much more restricted coverage at those locations or projects.

AP 0700–Certified Terrorism Loss

AP 0710–Certified Act of Terrorism Exclusion

AP 0720–Certified Acts of Terrorism Exclusion (With Limited Exception)

AP 0838–Auto and Mobile Equipment Amendments

This liability endorsement restricts mobile equipment coverage. It removes coverage for land motor vehicles subject to compulsory or financial responsibility laws or motor vehicle insurance laws in the state where they are licensed or garaged. These are considered autos and not mobile equipment. As a result, coverage is excluded.

AP 0851–Other Insurance Amendment

This mandatory liability endorsement amends Conditions 2. Insurance Under More Than One Policy. It clearly states that this policy is excess over any policy where the named insured is an additional insured.

AP 0852–Information Distribution and Recording Violations Exclusion

This is a mandatory endorsement. It excludes coverage for bodily injury, property damage, personal injury, and advertising injury that arises in any way out of alleged or actual violations of the Telephone Consumer Protection Act (TCPA) of 1991, the CAN-SPAM Act of 2003, and the Fair Credit Reporting Act (FCRA). It applies to these and other laws involved with any aspect of handling material or information.

AP 0853–Exclusion–Communicable Disease

This endorsement excludes coverage for bodily injury, property damage, personal injury, and advertising injury that arises out of alleged or actual transmission of communicable diseases by a person or property.

AP 0854–Exclusion–Communicable Disease–Limited Products Excepted

This endorsement is identical to AP 0853. However, it has an exception for alleged or actual transmission of communicable diseases by products intended for topical use or human consumption.

AP 0858–Pollution Exclusion Amendment

This liability endorsement amends the policy’s Pollution Exclusions. It provides exceptions for building equipment, hostile fire, and materials brought into a building, fuels or lubricants for mobile equipment, and owners or lessees as additional insureds.

AP 222–Property Damage Liability Deductible

This endorsement adds a deductible to the Commercial Liability Property Damage Coverage on either a per occurrence basis or a per claim basis entered on the endorsement schedule. The insurance company may decide to pay all or part of the deductible amount in order to clear the claim payment to the third party and then have the named insured reimburse it for the amount of deductible it paid.

AP 304–Money and Securities Coverage

This property endorsement adds money and securities coverage for the perils of theft, disappearance, and destruction. There is one limit for coverage inside the premises, within a bank, savings and loan, or other financial institution. There is a different limit at any location outside any such premises.

AP 305–Glass Coverage

The Property section of the Contractors Special Policy covers glass (other than glass building blocks) for $100 per plate or item and $500 for all glass in any one occurrence. This endorsement covers the same property without such limitations for risks of direct physical loss or damage, subject to certain exceptions. The only exclusions are for Civil Authority, Nuclear Hazard, and War.

AP 307–Outdoor Sign Coverage

The Property section of the Contractors Special Policy covers outdoor signs for a limit of $2,500 for the perils of aircraft, civil commotion, explosion, fire, lightning, and riot. This endorsement covers the same property for risks of direct physical loss or damage (including losses due to earthquake, flood, and water damage) up to the limit on the endorsement schedule. The only exclusions are for Civil Authority, Nuclear Hazard, War, Contamination or Deterioration, Electrical Currents, Mechanical Breakdown, and Wear and Tear.

AP 308–Employee Dishonesty Coverage

This endorsement covers loss to real or personal property (including money and securities) that results from dishonest or fraudulent acts that the named insured's employees or leased employees commit. The only exclusions are for Civil Authority, Nuclear Hazard, War, Inventory Shortage, Discovery of Previous Dishonest or Fraudulent Acts by Employees, Acts of the Insured or Partners, Legal Expenses, and Discovery after the Policy Period. Coverage is subject to the limit on the endorsement schedule.

AP 310–Artisans Property Additional Coverage Endorsement 2

This endorsement adds certain coverages and limits of insurance for them. Glass coverage is amended to be on a replacement cost basis. There is a $10,000 limit for Accounts Receivable, Computers, Outdoor Signs, and Valuable Papers and Records.

AP 311–Artisans Property Additional Coverage Endorsement 3

This endorsement adds certain coverages and limits of insurance for them. Glass coverage is amended to be on a replacement cost basis. There is a $5,000 limit for Accounts Receivable, Computers, Outdoor Signs, and Valuable Papers and Records.

AP 312–Schedule of Artisans Property–Additional Coverages

This schedule is used with AP 0309, AP 310, and AP 311. It is used to provide different selected limits for Accounts Receivable, Computers, Contractors Equipment, Rental Reimbursement, Installation Floater, Outdoor Signs, and Valuable Papers and Records. It also provides a valuation option for Contractors Equipment.

AP 346–Change Endorsement

This endorsement is used to make miscellaneous changes in policy coverage.

AP 496–Calendar Date or Time Failure Exclusion

This endorsement excludes both property and liability coverage due to calendar date or time failure.

AP 1350–Exclusion-Data Breach Liability – Personal and Advertising Injury

This exclusion replaces AP 1351. It is similar except that it applies only to personal injury and advertising injury. The exclusion does not apply to bodily injury or property damage.

AP 1351–Exclusion-Data Breach Liability

This is a mandatory exclusion. The exclusion is very broad because even though it is called “data breach” the exclusion never mentions that term except in the title. Instead, it eliminates coverage for ANY type of disclosure or even just access to private or confidential information regardless of who that information belongs to. The term “data records” is defined but that term applies only to such damages related directly to those data records.

AP 1730–Conditional Terrorism Exclusions

AP 1740–Conditional Terrorism Exclusions (With Limited Exception)

AP 1750–Conditional Nuclear, Biological, and Chemical Terrorism Exclusions

AP 1760–Conditional Nuclear, Biological, and Chemical Terrorism Exclusions (With Limited Exception)

AP 2730–Terrorism Exclusions

AP 2740–Terrorism Exclusions (With Limited Exception)

AP 2750–Nuclear, Biological, and Chemical Terrorism Exclusions

AP 2760–Nuclear, Biological, and Chemical Terrorism Exclusions (With Limited Exception)

BP ENDORSEMENTS

BP 305–Additional Insured–Lessor of Leased Equipment

This endorsement extends liability coverage to apply to the party on the endorsement schedule from whom the named insured leases equipment. Coverage applies to the liability exposure the party could be subject to due to the way the named insured maintains, uses, or operates the leased equipment.

BP 307–Additional Insured–Owner or Lessor of Leased Land

This endorsement extends liability coverage to apply to the party on the endorsement schedule from whom the named insured leases land. Coverage does not apply to any occurrence that takes place after a lease that expires is not renewed. There is no coverage for any structural alterations, new construction, or demolition operations that the lessor performs or that others perform on its behalf.

BP 309–Liability Coverage–Designated Premises or Project

This endorsement limits liability coverage to only the premises or projects on the endorsement schedule. It also limits coverage to operations necessary or incidental to owning, maintaining, or using those premises or projects.

BP 320–Accounts Receivable Coverage

This property endorsement covers accounts receivable. Coverage applies to amounts owed the named insured that cannot be collected from customers because records of receivables were damaged or destroyed. Coverage also applies for costs to reconstruct damaged or destroyed records, increased collection costs, and interest on loans used to offset losses.

BP 321–Ordinance or Law Extension

This property endorsement provides additional limits for increased costs associated with complying with certain types of ordinances, laws, or decrees that regulate construction, repair, use, or demolition of property. It insures the value of undamaged portions of the premises on the endorsement schedule that must be destroyed, debris removal and demolition costs of those undamaged portions, and the increased costs of construction to comply with the ordinances, laws, or decrees for the limits indicated.

BP 322–Computer Coverage

This property endorsement covers physical loss or damage to computer hardware and software the named insured uses in its operations and business. Certain exceptions, limitations, and exclusions apply. Losses that result from mechanical breakdown, earthquake, flood, or water damage are covered because these perils are not specifically excluded.

BP 328–Valuable Papers and Records Coverage

This property endorsement covers loss or damage to valuable papers and records. These are books, maps, films, drawings, abstracts, deeds, mortgages, and manuscripts. Coverage is subject to the location of the covered property, the limit, and the deductible on the endorsement schedule. A $5,000 limit applies to covered property when away from the premises and at other locations.

BP 330–Water Damage Coverage–Back Up of Sewers and Drains

This endorsement differs from AP 0330 because it has an option to add Loss of Income coverage.

BP 331–Protective Devices

This is a restrictive property endorsement. The named insured must maintain the protective devices or services on the endorsement schedule. If it does not, the coverage that applies to the device ends if the insurance company is not informed of any change in its status.

BP 332–Earthquake Coverage

This endorsement covers earthquake and volcanic eruption loss or damage to covered property. All events that take place in a 168-hour period are treated as one occurrence. A percentage deductible provision applies separately to each building or structure, personal property in each building or structure, and property stored in the open or in or on vehicles at each location. The percentage deductible is entered on the declarations.

BP 333–Non-Owned Auto Liability Coverage Hired Auto Liability Coverage

This endorsement extends Coverage L–Bodily Injury Liability/Property Damage Liability to non-owned, hired, or short-term leased automobiles the named insured uses in its business. Either or both coverages can be selected by entering the premium charge on the endorsement schedule. There are some eligibility restrictions that apply to employees or parties that qualify as insureds.

BP 336–Premium Payments

This endorsement has terms and conditions that apply to renewable policies or ones that have a continuous policy term. It states that the annual renewal or continuation policy premium is calculated and paid on the policy anniversary date. It also states that it is based on the insurance company's rates, premiums, coverage forms, and endorsements.

BP 348–Theft Exclusion

This property endorsement excludes losses to personal property caused by or that result from theft, burglary, and robbery. It does not apply to looting or pillaging at the time and place of a riot or civil commotion. Coverage applies to any resulting loss that a specified peril causes.

BP 350–Condominium Unit-Owners Coverage

This endorsement deletes business personal property coverage and replaces it. The use interest item is replaced with coverage for owned improvements the named insured made to the building.

Note: This endorsement omits item 3. that covers leased property the named insured is contractually responsible to insure. This omission could result in an unintentional gap in coverage.

BP 499–Additional Insured–Grantor of Franchise

This endorsement extends commercial liability coverage to apply to the party on the endorsement schedule with respect to its liability as a grantor of a franchise to the named insured. Coverage does not apply to liability that arises solely out of the additional insured grantor's negligence.

BP 605–Expanded Non-Owned Auto Liability Coverage/Hired Auto Liability Coverage

CP ENDORSEMENTS

CP 132–Loss Payable Options

This endorsement provides arrangements and allocation of payments to Loss Payees, Lender's Loss Payees, and Contract of Sale Payees to the extent of their interest in the described property at the designated location.

GL ENDORSEMENTS

GL 108–Additional Insureds

This endorsement identifies co-owners of the insured premises, those that have controlling interest in either the named insured or the premises, or mortgagees, assignees, or receivers as additional insureds under commercial liability coverage based on entries on the endorsement schedule.

GL 111–Additional Insured (State or Political Subdivisions–Premises Permits)

This endorsement identifies the state or political subdivision on the endorsement schedule as an additional insured with respect to one or more of the hazards or situations listed on the endorsement and for which a permit has been issued. The three types of hazards or situations are existence hazards, construction hazards, and owning, maintaining, and using elevators.

GL 113–Additional Insured–Owners, Lessees, or Contractors

This endorsement includes the additional insured on the endorsement schedule for its liability that arises out of the named insured's work for that additional insured. It also applies to the additional insured's acts or omissions related to its general supervision of the named insured's work. The named insured's work must be performed at the location on the endorsement schedule.

GL 117–Additional Insured–Engineers, Architects, or Surveyors

This endorsement adds as an additional insured any architect, engineer, or surveyor the named insured engages with respect to liability that arises out of the named insured's premises or work.

This endorsement differs from AP 0339 because AP 0339 lists specific architects, engineers, or surveyors that the named insured does not engage.

GL 142–Amendment–Aggregate Limits of Insurance (Per Project)

This endorsement amends the Commercial Liability limits section. It states that the general aggregate limit applies separately to each of the named insured's projects located away from premises the named insured owns or rents.

GL 210–Liability Exclusion (Applying to All Hazards in Connection With Designated Premises, Operations, or Products)

This endorsement excludes injury or damage under Commercial Liability Coverage that results from or arises out of all hazards at or that arise from the designated premises or operations on the endorsement schedule.

GL 212–Exclusion–Explosion, Collapse, Underground Property Damage Hazard

This liability endorsement excludes property damage coverage for the selected and defined hazards of explosion, collapse, and underground property damage at the location and for the description on the endorsement schedule. The exclusion does not apply to operations that others perform for the named insured or to property damage that the products/completed work hazard includes.

GL 242–Supplemental Liability Coverage Care, Custody, or Control Exception

This liability endorsement provides property damage liability coverage to property of others in an insured's care, custody, or control. Coverage is subject to the per occurrence limit on the endorsement schedule.

This endorsement is similar to AP 0658 but differs because it excludes losses due to mysterious disappearance or loss of use of the property.

GL 841–Additional Insured–Designated Party

This liability endorsement adds the party, activity, and/or interest designated on the endorsement schedule as an additional insured. Coverage applies only with respect to liability that results from activities identified on the endorsement schedule related to the named insured's operations or premises it owns or rents.

GL 842–Additional Insured–Lessors

This liability endorsement adds as an additional insured the party on the endorsement schedule that owns the premises on the endorsement schedule that it leases it to the named insured. The coverage provided is restricted to liability that arises from owning, maintaining, or using the part of the premises the named insured leases.

This endorsement differs from AP 0232 because the additional insured's interest ends when its lease with the named insured expires. It is also different because the lessor is not covered for any construction, alteration, or demolition work it does or that others do for it.

GL 890–Lead Liability Exclusion

This endorsement excludes liability for all bodily injury, property damage, personal injury, and advertising injury that arises out any form of lead. It may apply on a mandatory basis under some programs. If it does, it must refer to state-specific forms, endorsements, and requirements in order to determine if it applies with a particular policy or in a particular state.

GL 891–Pesticide or Herbicide Applicator Coverage

This liability endorsement provides limited pollution coverage for the pesticide or herbicide application operation(s) on the endorsement schedule.

GL 892–Coverage E–Employee Benefits Liability Coverage (Claims-Made Basis)

This endorsement covers damages that result from the named insured's negligent acts, errors, or omissions in administering its employee benefits program. Coverage is on a claims-made basis and is subject to a per-claim limit and an annual aggregate limit. A $1,000 deductible applies to each claim. Defense coverage is provided outside the coverage limits. An automatic basic extended reporting period is included. A supplemental extended reporting period of unlimited duration for an additional premium charge is available by using GL 893–Employee Benefits Liability Coverage-Supplemental Extended Reporting Period. The limits and the retroactive dates must be entered in the spaces provided on the endorsement schedule.

GL 893–Employee Benefits Liability Coverage-Supplemental Extended Reporting Period

This endorsement is used when GL 892–Coverage E–Employee Benefits Liability Coverage (Claims-Made Basis) supplemental extended reporting period options is selected.

GL 894–Punitive Damages Exclusion

This liability endorsement excludes payments for punitive, exemplary, or vindictive damages.

GL 895–Employee Redefined

This endorsement narrows the definition of employee under commercial liability coverage to exclude both leased workers and temporary workers.

GL 899–Cross Liability Exclusion

This is a very restrictive liability endorsement. It removes all coverage when one insured sues another. This can present some very significant gaps in coverage, especially if there are any additional insureds.

GL 903–Contractual Liability Coverage Limitation (Incidental Contractual Liability)

This endorsement limits the contractual liability coverage that the Commercial Liability Coverage provides to only designated incidental contractual liability. The five types of incidental contracts covered are:

Leases of premises

Easement or license agreements. This excludes agreements that relate to any construction or demolition operations within 50 feet of a railroad.
Promises to indemnify a municipality if required by ordinance. This excludes work done for the municipality.
Railroad sidetrack agreements
Elevator maintenance agreements

GL 905–Exclusion–Coverage P–Personal and Advertising Injury Liability

This endorsement excludes personal and advertising injury liability and deletes all policy references to it under Commercial Liability Coverage.

GL 918–Employee Benefits Liability Coverage–Calendar Date or Time Failure Exclusion

This endorsement applies to only GL 892–Coverage E-Employee Benefits Liability Coverage (Claims-Made Basis). It deletes coverage for losses that result from any electronic data processing equipment, programs, software, media, or data that fails to recognize and properly process any calendar date or time transaction.