AAIS COMMERCIAL LIABILITY COVERAGE AVAILABLE ENDORSEMENTS AND THEIR USES

(September 2025)

INTRODUCTION

The list below details endorsements, forms, notices, and disclosures, identified by number and title, which can be attached to the American Association of Insurance Services (AAIS) GL-200 – Commercial Liability Coverage (Broad Form Coverage). These items are organized in alphanumeric order.

The listing briefly describes each endorsement, form, notice, or disclosure. This section does not address any state-specific endorsements, forms, notices, disclosures, changes, or amendments. Additionally, only the most recent version or edition of each form is provided.

NUMBERING FORMAT

AAIS uses a specific alphanumeric format to identify its forms, structured as follows:

· The first two entries are alphabetic characters that specify the insurance line, such as GL for Commercial Liability Coverage or CL for Commercial Lines, followed by a space or a dash.

· This is then followed by a three- or four-digit number indicating the form or endorsement number.

NOTE: It is understood that AAIS may be transitioning from a three-digit system to a four-digit system.

· The final four digits indicate the form or endorsement's edition date, shown as month and year separated by a space. These digits are not used in this analysis.

NOTE: AAIS may also use version numbers such as 1.0, 2.0, etc., for the edition number.

ENDORSEMENTS AND FORMS DESCRIPTION DISCLAIMER

The brief description or explanation provided for each endorsement is only a summary. A full review of the entire endorsement, form, notice, or disclosure is needed to fully understand how it changes the AAIS Commercial Liability Coverage.

AAIS ENDORSEMENTS, FORMS, NOTICES AND DISCLOSURES

CL-100–Common Policy Conditions

This form outlines the conditions applicable to all commercial policy forms and coverages.

Related Article: CL-100, Common Policy Conditions Analysis

CL 300–Amendatory Endorsement

This mandatory endorsement indicates words with special meaning have been changed. These words will now appear not only in quotation marks but also in bold text, and their meanings should be referenced in the policy's definition section.

Related Article: AAIS Commercial Liability Coverage Form Analysis

GL 0114–Boats

This is an optional endorsement providing coverage for watercraft specified on the endorsement or declarations. It exempts the described watercraft from the auto, aircraft, and watercraft exclusions. It also covers individuals who are legally responsible for the use of the listed watercraft as insureds, but only if they have permission.

GL 0116–Colleges or Schools

This is an optional endorsement amending the definition of insured to include individuals acting within their designated roles at colleges or schools. It excludes professional coverage for infirmaries and does not cover athletic activities not supervised by the insured. Additionally, it eliminates coverage for any auto transporting students, including transportation to and from school.

GL 0121–Exclusion–Internet Service Providers and Internet Access Providers Errors and Omissions

This endorsement is optional and limits coverage for insureds offering Internet services or access, along with related advice, consultation, or evaluations. It aims to avoid overlapping coverage with the service providers’ errors and omissions coverage.

GL 0124–Optical and Hearing Aid Establishments

This endorsement is optional and removes the professional liability exclusion, but only for liability related to optometry, optical, or hearing aid services.

GL 0125–Exclusion–Products and Pharmacists' Professional Liability

This endorsement removes liability coverage for providing or failing to provide pharmaceutical professional healthcare services. Since pharmaceutical products and professional services are closely related, products coverage is also excluded.

NOTE: Do not use this endorsement when the GL 0129–Pharmacists’ Professional Liability Coverage is attached.

GL 0129–Pharmacists' Professional Liability Coverage

This coverage form offers protection for bodily injury and property damage related to a pharmacist's professional services. It must be attached when the drug store classification is selected. If professional coverage is not required, do not attach this form; instead, attach GL 0125–Exclusion–Products and Pharmacists' Professional Liability.

In some states, pharmacists might be legally allowed to offer consulting, diagnostic, referral, or similar services. They may also perform blood tests, prescribe or give medications or vaccinations, or manage drug therapy. All of these services are excluded from this form. If coverage for these excluded services is needed, consider attaching GL 0616.

GL 0163–Exclusion-War and Military Action

This endorsement is mandatory and replaces the War Exclusion in the policy. It is detailed in the analysis of the GL-200.

Related Article: AAIS Commercial Liability Coverage Form Analysis

GL 0209–Asbestos Exclusion

This is an optional endorsement, but it completely excludes all liability exposures and expenses related to asbestos and asbestos-containing products.

GL 0215–Silica Exclusion

This is an optional endorsement, but completely excludes all liability exposures and expenses related to silica. Silica is specifically defined in the endorsement.

GL 0230–Funeral Directors' Professional Liability Coverage

This form provides coverage for a funeral director's professional exposure by modifying definitions and exclusions. A key aspect of this coverage is the inclusion of mental anguish within bodily injury, even if no physical harm occurs.

GL 0241–Contractual Liability Coverage

(Use with Gl-100, GL-600, or GL-610)

This coverage completely replaces the Supplemental Coverages— Incidental Contractual Liability coverage and modifies the contractual exclusion. It is similar, but with two notable exceptions.

Paragraph f. (any part of any other contract…) now applies only to bodily injury or property damage caused by the named insured or someone acting on their behalf. Additionally, it eliminates all contractual coverage for construction or demolition activities within 50 feet of railroad property.

GL 0243–Amendment of Contractual Liability Coverage

This optional endorsement is used when coverage is provided by GL-200 (GL 0200). It amends paragraph 1. f. of the Supplemental Coverages – Incidental Contractual Liability to restrict coverage to only bodily injury or property damage caused by the named insured or someone acting on their behalf.

GL 0250–Certified Terrorism Loss

GL 0260–Certified Act of Terrorism Exclusion

GL 0348- Exclusion-Wet Rot, Dry Rot, Bacteria, Fungi or Protists

This is an optional endorsement that excludes mold-related injury or damage, with certain exceptions for food-borne or beverage-borne bacteria and farm employees.

GL 0349–Exclusion-Wet Rot, Dry Rot, Bacteria, Fungi or Protists–Contracting Operations

(Use only with GL-100 or GL-200)

This is an optional endorsement used to exclude liability coverage for mold-related injury or damage, but only as it applies to the named insured’s through a contract or agreement.

GL 0350–Exclusion-Damage to Work Performed By You or On Your Behalf

(Use only with GL-100 or GL-200)

This endorsement removes the subcontractor’s exception in the Exclusion section titled "Additional Exclusions That Apply Only To Property Damage" under exclusion 8, which relates to property damage to the insured’s work. As a result, any damage to work performed by or on behalf of the named insured is now excluded without exception, marking a significant reduction in coverage.

GL 0351–Exclusion-Damage to Work Performed By You or On Your Behalf–Designated Locations or Projects

(Use only with GL-100 or GL-200)

This is an optional endorsement removing the subcontractor’s exception to the damage-to-your-work exclusion. However, this restriction applies only to the locations or projects scheduled on the endorsement.

GL 0352–Exclusion – Exterior Insulation and Finish Systems

This is an optional endorsement that excludes coverage for damages due to Exterior Insulation and Finish Systems (EIFS).

GL 0353–Limited Coverage for Loss by Wet Rot, Dry Rot, Bacteria, Fungi or Protists

(Use only with GL-100 or GL-200)

This endorsement adds an absolute exclusion for wet rot, dry rot, bacteria, fungi, or protists, and then adds back a very limited amount of coverage shown on the endorsement schedule. An Each Occurrence Limit and Aggregate Limit must be entered on the endorsement. This endorsement should not be used with CG 0348 or GL 0349.

GL 0354–Limited Coverage for Loss by Wet Rot, Dry Rot, Bacteria, Fungi or Protists

(Use only with GL-600 or GL-610)

This endorsement adds an absolute exclusion for wet rot, dry rot, bacteria, fungi, or protists, and then adds back a very limited amount of coverage shown in the endorsement schedule. An Each Occurrence Limit and Aggregate Limit must be entered on the endorsement

GL 0616–Expanded Pharmacists' Professional Liability Coverage

(Use with all forms except GL-300)

This coverage form is an expansion of the coverage provided in GL 0129 and should not be used together with it. It provides professional coverage for the services pharmacists are permitted to provide in states where they are licensed. This means coverage could be expanded to include consulting, diagnostic, referral or similar services, blood tests, prescribing or administering any drugs or vaccinations or managing drug therapy.

NOTE: This is not a countrywide endorsement and is only available in states that permit pharmacists to perform these professional services.

GL 0618–Exclusion–Website Designers Professional Liability

This optional endorsement excludes coverage for damage or injury arising out of website design or consultation conducted by the insured or any party for whom the insured is legally or contractually responsible.

GL 0620–Exclusion–Contractors Professional Liability

(Do not use with GL-300)

This optional endorsement excludes coverage for damage or injury arising out of architectural, engineering, or surveying services provided to others. It applies when the named insured offers these services, whether alone or alongside construction work.

GL 0701–Additional Insured–Owners, Lessees or Contractors–Completed Work

(Use with GL-100 or GL-200)

This optional endorsement adds the person or organization shown on the endorsement schedule as an insured for injury or damage due to the completed work of the named insured. The work must be performed at the scheduled location.

GL 0702–Additional Insured–Owners, Lessees or Contractors–Designated Person or Organization

This optional endorsement adds the person or organization shown on the endorsement schedule as an insured, but only for injury or damage arising from the actions or omissions of the named insured, or those acting on its behalf. It applies only to ongoing work at a jobsite performed at the scheduled location.

GL 0703–Additional Insured–Owners, Lessees or Contractors–Automatic Status

This optional endorsement allows the inclusion of any person or organization the named insured works for as an insured, provided there is a written agreement stating this. It covers only injuries or damages caused by the acts or omissions of the named insured or those acting on its behalf, but only for ongoing work.

GL 0705–Snow and Ice Removal Operations

This optional endorsement specifically applies to Coverage N–Products/Completed Work. It extends coverage for snow and ice removal work by removing the automatic exclusion for this operation.

GL 0711– Additional Insured–Vendors

This endorsement includes the party shown on the endorsement schedule, who is a vendor of the named insured's products, as an insured. However, this coverage applies only to the products described on the schedule. There are several exclusions based on the actions of the vendor.

GL 0712–Additional Insured–Engineers, Architects or Surveyors

This endorsement includes any architect, engineer, or surveyor hired by the named insured as an insured, but only for injuries or damages not considered as professional services, and from the actions, acts, or omissions of the insured or those acting on its behalf, related to the insured's premises or work.

GL 0713–Additional Insured–Lessor of Leased Equipment–Automatic Status

This endorsement includes any party as an insured when the named insured leases equipment. It provides coverage for injury or damage caused by the insured's maintenance, operation, or use of the leased equipment. Coverage is automatic if the named insured and the lessor have a written agreement that includes the lessor as an additional insured on the policy.

GL 0714–Additional Insured–Engineers, Architects or Surveyors Not Engaged By You

This endorsement includes any engineer, architect, or surveyor shown on the endorsement schedule and not engaged by the named insured as an insured. It applies only to injury or damage from the actions or omissions of the named insured or those acting on its behalf, related to the named insured's work. Professional coverage is excluded.

GL 0717–Additional Insured–Lessor of Premises

This endorsement includes any person or organization leasing a premises to the named insured as an insured, but only for the scheduled premises. This party is considered an insured only if the named insured is legally liable and the injury or damage arises from the acts or omissions of the named insured or those acting on its behalf.

GL 0718–Additional Insured–Designated Person or Organization

This endorsement includes any person or organization and their specified interest listed on the endorsement schedule as an insured. However, coverage applies only to injury or damage arising from the actions or omissions of the named insured or those acting on its behalf, related to the named insured's work, premises, or interests scheduled in the endorsement.

GL 0719–Additional Insured–Lessor of Leased Equipment

This endorsement includes any person or organization listed on the endorsement schedule as an insured for injuries or damage arising out of the named insured's maintenance, operation, or use of the leased equipment.

GL 0810–Migrant and Seasonal Worker Protection Act Exclusion

(Use with GL-610)

This mandatory exclusion endorsement eliminates coverage for any damages awarded under the Migrant and Seasonal Agricultural Worker Protection Act or similar regulation of this Act.

GL 0846–Exclusion–Professional Liability–Computer Software

This optional endorsement removes coverage for damages related to services that were provided or should have been provided with the named insured’s computer software.

GL 0847–Exclusion–Health or Cosmetic Services

This optional endorsement excludes coverage for medical, health, and cosmetic procedures listed and described in the endorsement schedule.

GL 0852–Exclusion-Errors and Omissions-Testing or Consultation

This endorsement excludes coverage for bodily injury, property damage, personal injury, and advertising injury arising from the named insured’s testing and consulting errors or omissions, as well as any related reporting requirements.

GL 0869–Customers' Autos on Insured or Adjoining Premises

This endorsement expands coverage by modifying the exclusion for auto, aircraft, and watercraft to include injuries or damages caused by customers' vehicles while on the premises owned, rented, or controlled by the named insured. It applies only if the premises are used as an auto repair or service shop, car wash, gas station, tire dealer, or an oil change and lubrication service.

GL 0881–Exclusion-Underground Resources or Equipment

This endorsement removes coverage for underground resources and equipment hazards described in the endorsement schedule. Limited coverage can be provided by attaching the GL-858.

GL 0891–Pesticide or Herbicide Applicator Coverage

This endorsement adds an exception to the pollution liability exclusion by including pollution coverage for the operations described in the endorsement schedule, provided the activities comply with federal, state, and local guidelines.

GL 0936–Pollution Exclusion Amendment

(Use with GL-100, GL-200 or GL-600)

This optional endorsement provides several exceptions to the pollution exclusion, including fumes from HVAC units and water heaters, coverage for additional insureds, and pollutants discharged from mobile equipment.

GL 0950–Known Injury or Damage Amendments

This is a mandatory endorsement. It is described within the analysis of the GL-200.

Related Article: AAIS Commercial Liability Coverage Form Analysis

GL 0951–Exclusion-Adult Day Care Centers

This endorsement removes coverage for professional, specific health care and cosmetic services, as well as medical payments coverage for any individual in the insured's care.

GL 0952–Misdelivery of Liquid Products Coverage

This endorsement expands coverage by modifying the exclusions for autos, mobile equipment, and watercraft. The exclusion does not apply to bodily injury or property damage caused by the delivery of liquid products into the wrong receptacle or to the wrong recipient. It also covers cases where a different liquid product is delivered than what was requested. The misdelivery must be by an auto or motorized vehicle and occur off-premises after the work has been finished or abandoned at the delivery site.

GL 0953–Additional Insured-Users of Draft or Saddle Animals

This optional endorsement expands the definition of insured to include any party authorized by the named insured to use draft animals, saddle animals, or vehicles.

GL 0954–Exclusion-Designated Cosmetic Services

This optional endorsement excludes coverage for injury or damage arising from cosmetic and barber services described on the endorsement schedule.

GL 0955– Exclusion-Funeral Services

This optional endorsement excludes coverage for injury or damage related to handling deceased bodies.

GL 0956–Exclusion-Professional Liability-EDP Services and Computer Consulting and Programming Services

This optional endorsement excludes coverage for injury or damage arising out of electronic data processing services, computer consulting services, and programming services provided by the insured or any party for whom the insured is liable.

GL 0957–Exclusion-Professional Liability–Computer Data Processing

This optional exclusion endorsement removes liability coverage for injury or damage arising from acts or errors in data processing conducted by the named insured or any party to which they are responsible.

GL 0958–Exclusion-Property Damage to Electronic Data (Computer Software Manufacturer)

This optional exclusion endorsement removes coverage for property damage to electronic data arising from the developed or manufactured computer software programs of the named insured.

GL 0959–Exclusion-Diagnostic Testing Laboratories

This optional exclusion endorsement removes coverage for injury or damage arising from performance errors in medical or diagnostic testing related to illness, condition, or injury, or in reporting any test results.

GL 0960–Exclusion-Failure to Supply Utilities

This optional exclusion endorsement excludes coverage for injury or damage caused by the insured's failure to supply electricity, gas, steam, or other specific utilities described on the endorsement schedule. The only exception is if the failure is from a sudden and accidental physical property loss.

GL 0961–Exclusion-Professional Liability-Engineers, Architects or Surveyors

This optional endorsement exclusion removes coverage for injury or damage arising out of engineering-type professional services performed by the named insured, engineer, architect, or surveyor employed by or working on behalf of the named insured.

GL 0962–Government Subdivisions

This optional endorsement broadens the definition of insured to include members of the named insured’s boards, commissions, or agencies and the named insured’s elected or appointed officials. It restricts the mobile equipment supplemental coverage by excluding vehicles designed for use on public roads.

GL 0963–Hazardous Material Contractors

This optional endorsement removes the pollution exclusion at a location where the insured or a contractor working for the named insured removes, replaces, repairs, encloses, or encapsulates hazardous material.

GL 0964–Exclusion-Products and Professional Services-Optical and Hearing Aid Establishments

This optional exclusion endorsement removes both professional and product coverage for injuries or damages related to optometry, optical, or hearing aid services.

GL 0965–Exclusion-Housing Project Sites

This optional exclusion endorsement removes coverage for injury or damage related to any building on a proposed housing project site that will be demolished once the project is developed.

GL 0966–Exclusion-Inspection, Appraisal and Survey Companies

This optional exclusion endorsement removes coverage for injury or damage arising out of professional services such as claim handling, consultation, investigation, adjustment, engineering, inspection, appraisal, survey, and audit.

GL 0967–Exclusion-Saline Substances Contamination

This optional exclusion endorsement removes coverage for property damage to oil, gas, water, or other mineral substances caused by saline or saline substances. The exclusion applies only to the operations described on the endorsement schedule.

GL 0968–Exclusion-Oil or Gas Producing Operations

This optional exclusion endorsement modifies the pollution exclusion to exclude coverage entirely, regardless of who introduces the pollutants to the jobsite.

GL 0969–Exclusion-Rolling Stock during Railroad Construction

This optional exclusion endorsement removes coverage for injury or damage arising from rolling stock being moved by railroads during construction or maintenance activities. An exception exists for rolling stock deemed part of the construction operation.

GL 0970–Exclusion–Bodily Injury to Railroad Passengers

This optional exclusion endorsement removes coverage for bodily injury to a passenger who is entering, riding on, or leaving a train. However, it only applies if the injured individual is classified as a passenger of the named insured.

GL 0971–Exclusion-Property Entrusted

This optional exclusion endorsement removes coverage for property damage to property of others. It applies when the property is stored by the named insured or on the named insured’s premises. This exclusion applies only when such damage is connected to the operations described on the endorsement scheduled.

GL 0972–Exclusion-Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate

This optional exclusion endorsement removes coverage for property damage resulting from any kind of incorrect delivery or mixing of seed, processing or labeling mistakes, or any failure of seed germination.

NOTE: This endorsement should not be used with GL 0973.

GL 0973–Coverage for Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate

This optional endorsement provides coverage for property damage resulting from any type of incorrect delivery or mixing of seed, processing or labeling mistakes, or any failure of seed germination.

NOTE: This endorsement should not be used with GL 0972.

GL 0974–Coverage for Erroneous Delivery or Mixture–Failure of Seed to Germinate Excluded

This optional endorsement is identical to the one above in GL 0973, except it excludes failure to germinate.

GL-0975–Exclusion-Counseling Services

This optional exclusion endorsement removes coverage for injury or damage arising from crisis prevention, addiction rehabilitation (including drugs, alcohol, or other substances), mental health, family social services, and other counseling services.

GL 0976–Exclusion-Spas, Health or Beauty Facilities

This optional exclusion endorsement removes coverage for injury or damage arising from appearance or skin enhancement, hair removal, hair replacement, personal grooming, or physical fitness advice or services.

GL 0977–Limited Completed Operations Coverage-Stevedoring Operations

This optional endorsement is used for stevedoring operations. It changes the definition of completed work hazard to exclude coverage for occurrences that do not occur on board vessels.

GL 0978–Exclusion-Errors and Omissions-Telecommunications Equipment or Service Providers

This optional exclusion endorsement removes coverage for injury or damage from failure to supply telecommunications services, as well as from errors or omissions in advice or service related to telecommunication systems.

GL 0979–Additional Insured-Homeowners Associations

The optional endorsement extends the definition of insured to include each individual homeowner in a homeowners association, but only regarding their membership in the association.

GL 0980–Limitation of Coverage-Travel Agency Tours

This optional endorsement changes the coverage territory definition by removing world coverage – 7.c.2) – for damage or injury arising from employees who travel abroad temporarily while conducting tours for the named insured.

NOTE: This is a coverage reduction.

GL 0981–Exclusion-Professional Services-Veterinarians

This optional exclusion endorsement removes professional coverage for any injuries or damages arising out of any veterinarians services or the failure to provide such services.

GL 0982–Exclusion-Professional Services-Blood Banks

This optional exclusion endorsement eliminates coverage for injury or damage due to the professional services related to blood banks, including warranties on blood quality and the activities of doctors for which the blood bank is responsible.

GL 0983–Lawn Care Services

This optional endorsement modifies the pollution exclusion related to lawn care by providing coverage for herbicides or pesticides the named insured applies to lawns they care for, but only if a license or permit is not required for their application.

GL 0995–Auto and Mobile Equipment Amendments

(Use with only GL-100)

This optional endorsement removes coverage for any mobile equipment mandated by state law where it is licensed or principally garaged to meet financial responsibility laws. Such mobile equipment is redefined as an auto.

GL 0996–Auto and Mobile Equipment Amendments

(Use with only GL-200)

This optional endorsement removes coverage for any mobile equipment required by state law, where it is licensed or principally garaged, to meet financial responsibility laws. Such mobile equipment is considered an auto.

GL-107–Additional Insured–Church Members, Officers and Volunteer Workers

This optional endorsement amends the definition of insured to include church members, trustees, officials, board members, clergy, and volunteers. Additionally, medical payments will apply, but only if church members or volunteers are not compensated.

GL-108–Additional Insureds

This optional endorsement designates co-owners of the insured property, entities with controlling interest in either the insured or the premises, or mortgagees, assignees, or receivers as insureds. The Policy Number, Person or Organization Name, and the relevant location must be specified in the endorsement.

GL-109–Additional Insured–Landlord

This optional endorsement adds a landlord as an insured, but only at the specified location and for the landlord scheduled on the endorsement.

GL-110–Additional Insured–State or Political Subdivision–Permits

This optional endorsement adds a state or political subdivision as an insured. It is limited to the entity named on the endorsement schedule and only for operations performed by the insured or on the insured's behalf for which a permit from the entity was required.

GL-111–Additional Insured–State or Political Subdivision–Premises Permits

This endorsement adds a state or political subdivision as an insured. Coverage is limited to the entity specified on the endorsement and covers only the operations carried out by the insured or on its behalf for which a permit was issued.

GL-112–Additional Insureds

This optional endorsement provides insured status to the grantor of a franchise, lessor of leased equipment, and/or owner, lessees, or contractors, but only if the appropriate box is checked and the entity's name appears on the endorsement schedule.

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

This optional endorsement provides insured status to an owner, lessee, or contractor listed on the endorsement schedule and only for the specified location. It also extends additional insured status to the named entity for the supervision they provide to the named insured.

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

This optional endorsement extends coverage to include any architect, engineer, or surveyor hired by the named insured, providing liability protection only for issues related to the insured's premises or work.

GL-119–Pastoral Counseling–Professional Liability

This optional endorsement provides professional liability coverage for pastoral counseling, but only when conducted by the specified individuals and exclusively for the activities listed on the endorsement schedule.

GL-120–Financial Institutions (Reporting Provision and Limitation to Fiduciary Interest)

This optional endorsement provides coverage for properties where the named insured has fiduciary or representative responsibilities and explains how reports and notifications should be submitted to the company.

NOTE: This endorsement should not be used with GL-206.

GL-122–Non-Owned Auto Liability Coverage Hired Auto Liability Coverage

This optional endorsement extends Coverage L—Bodily Injury/Property Damage to include coverage for non-owned autos and/or hired autos. This endorsement should be used cautiously to avoid conflicts with any owned auto coverage.

GL-126– Real Estate Agents

This optional endorsement amends liability coverage by limiting it to injury or damage arising from the premises the named insured uses for general office purposes or premises listed with the insured for sale or rental.

GL-128–Premium Payments

This endorsement applies when a multi-year policy is issued, but premiums are recalculated annually.

GL-130–Products/Completed Work–Expanded Definition

This optional endorsement amends the definition of products hazard by removing the condition that coverage only applies after the product has left the premises. The premises and operations must be described on the endorsement schedule. This endorsement is typically used with restaurants and other establishments where customers can consume products on the premises.

GL-140–Amendment–Aggregate Limits of Insurance (Per Location)

This optional endorsement expands coverage by applying a separate general aggregate limit to each location owned or rented to the named insured.

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

This optional endorsement amends the How Much We Pay section to expand coverage by applying a separate general aggregate limit to each of the named insured's projects occurring away from the premises owned or rented to the named insured.

GL-160–Additional Insured–Condominiums

This optional endorsement expands the definition of insured to include each of the insured condominium association’s unit owners concerning the part of the premises considered common areas.

GL-162–Condominiums

This optional endorsement broadens the definition of insured to include each individual unit owner of the condominium association as a limited insured for common areas only. The Cancellation and Non-renewal provisions of the Common Policy Conditions require each unit owner holding a certificate of insurance to receive the same cancellation notice as the association. An addition of a limited waiver of subrogation also applies to unit owners.

GL-202–Exclusion–Athletic or Sports Participants

This optional exclusion endorsement excludes coverage for bodily injury or personal injury to a person practicing or participating in sports or athletic contests sponsored by the named insured. A description of the operations must be listed in the endorsement schedule.

GL-204–Exclusion–Escalators

This optional exclusion endorsement removes coverage for injuries or damage arising out of escalators at locations owned, rented, or controlled by the named insured. It only applies if the named insured actively operates, maintains, or controls the escalator.

GL-206–Financial Institutions (Exclusion of Fiduciary Liability)

This optional exclusion endorsement removes coverage for property when the insured acts in a fiduciary or representative role.

NOTE: This endorsement should not be used with GL-120.

GL-208–Exclusion–Logging and Lumbering Operations

This optional exclusion endorsement eliminates property damage coverage for fire-related incidents caused by the named insured's logging and lumbering operations. Additionally, property damage to a vehicle being loaded or unloaded is excluded if it is associated with the insured's logging or lumbering activities.

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

This optional exclusion endorsement removes coverage for designated premises and/or operations shown on the endorsement schedule. It is a very broad exclusion and should be used cautiously due to the exclusion language.

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

This optional exclusion endorsement removes coverage for property damage liability related to explosion, collapse, or underground property damage hazards. When the hazard is checked, coverage is not provided. The location and description must be specified on the endorsement schedule.

GL-214–Exclusion–Coverage M–Medical Payments

This optional exclusion endorsement removes medical payments coverage for locations described and shown on the endorsement schedule. There is an exception: if the insurance company defends a suit, it will cover expenses incurred for first aid provided at the time of the accident or injury if this insurance applies.

GL-216–Exclusion–Fire Damage Legal Liability

This optional endorsement excludes fire legal liability coverage.

GL-220–Change Endorsement

This optional endorsement is an open form allowing policy modifications.

GL-222–Deductible

This optional endorsement adds a deductible provision to the liability coverage. The deductible can be applied on a per-claim or per-occurrence basis to bodily injury, property damage, or both combined.

GL-224–Liability Coverage–Designated Premises

This optional endorsement restricts coverage to the premises listed on the endorsement and the operations associated with those premises. Premises entry is required on the schedule.

GL-226–Exclusion–Malpractice and Professional Services

This optional exclusion endorsement removes coverage for bodily injury, property damage, personal injury, or advertising injury related to hearing aids, cosmetics, massage, chiropody, optical or optometric services, hairdressing, or physiotherapy. The endorsement schedule must specify the description of the specific operations.

GL-228–Exclusion–Water Damage

This exclusion endorsement removes coverage for property damage to buildings or their contents due to most water damage occurring within the premises described in the endorsement schedule.

GL-232–Veterinarians' Professional Liability Coverage

This optional endorsement provides protection against bodily injury or property damage for professional services performed by either an individual veterinarian (Coverage R) or a veterinarian business practice (Coverage S). The number of veterinarians employed is required, along with the specific insurance limit assigned to each coverage provided in the endorsement.

GL-234–Nurses' Professional Liability Coverage

This optional endorsement provides Professional Liability coverage for an individual nurse named on the endorsement schedule or any person under the direction, control, or supervision of the named insured. Specific insurance limits apply to the coverage in this endorsement and should be indicated on the endorsement schedule.

GL-238–Exclusion–Property Damage to Laundry and Dry Cleaning

This optional exclusion endorsement removes coverage for property damage to self-service laundry or dry cleaning operation or coin-operated laundry equipment.

GL-244–Cosmetologists' Liability

This optional endorsement eliminates the exclusion for professional services in cases of injury or damage arising from providing or failing to provide a cosmetology professional service. However, willful violations of statutes, ordinances, or regulations are not covered.

GL-837–Additional Insured–Officers and Board Members–Public Corporations

This optional endorsement provides coverage for any officer or member of a named insured board, commission, or agency while acting within the scope of their duties.

GL-838–Farms

This optional endorsement modifies the coverage to include farm operations for bodily injury and property damage liability. The definition of insured is expanded to include household members, and the insured premises now covers not only farm property but also household structures and family cemetery plots. Added exclusions should be reviewed.

GL-839–Residential Premises

This optional endorsement provides residential liability coverage for the residential premises described in the endorsement schedule. The coverage applies only to residential exposures involving the named insured and household members.

GL-840–Medical Payments–Designated Insureds

This optional endorsement restores Medical Payments coverage for club members, guests at a hotel, motel, or tourist court, students, campers, patients, and inmates if the appropriate box is checked.

GL 841–Additional Insured–Designated Party

This optional endorsement extends insured status to any person or organization listed and described on the endorsement schedule, but only concerning injury or damage arising from the named insured's, or those acting on its behalf, acts or omissions related to the named insured's work, premises, or interests scheduled in the endorsement. The endorsement should indicate the Designed Party, Activity, and Interests.

GL-842–Additional Insured–Lessors

This optional endorsement extends insured status to any person or organization listed on the endorsement schedule who is leasing a premises to the insured. However, coverage is limited to the named premises. The Designated Lessor is insured only if the named insured is legally liable and the injury or damage arises from acts or omissions by the named insured or those acting on its behalf.

GL-843–Additional Insured–Vendors

This optional endorsement provides coverage for the specified vendor listed on the endorsement schedule as an insured. The vendor is required to sell the products of the named insured, but coverage is limited to the products specified on the schedule. It’s important to be aware that there are various exclusions for the vendor's actions.

GL-844–Additional Insured–Club Members

This optional endorsement extends coverage to the named insured club members as insureds, but only for liability arising from the activities of the named insured or those performed on its behalf.

GL-845–Additional Insured–Concessionaires Trading Under Your Name

This optional endorsement provides coverage as an insured for any concessionaire designated on the endorsement schedule, but only when they are using the insured’s name and acting as its concessionaire. The insured status applies only to liability under Coverage N–Products/Completed Work.

GL-848–Exclusion–Designated Work

This optional exclusion endorsement removes coverage for bodily injury and property damage arising out of the named insured's work described on the endorsement schedule.

GL-849–Exclusion–Designated Products

This optional exclusion endorsement removes coverage for bodily injury or property damage arising from the named insured's designated products listed on the endorsement schedule.

GL-850–Exclusion–Designated Services

This optional exclusion endorsement removes coverage for injury or damage arising out of the designated services scheduled on the endorsement.

GL-853–Exclusion-Abuse or Molestation

This optional exclusion endorsement eliminates coverage for injury or damage for the actual or threatened abuse or molestation of anyone under an insured's care, custody, or control, or for negligent supervision that could allow such acts.

GL-854–Exclusion-Riot, Mob Action or Civil Commotion (Governmental Subdivision)

This optional exclusion endorsement eliminates coverage for injuries and damage due to riot, civil unrest, or mob activity, as well as any actions that led to the activity or could have been taken to prevent it.

GL-855–Exclusion-Specified Hazards (Carnivals, Circuses and Fairs)

This optional exclusion endorsement removes coverage for any injury or damage arising out of mechanically operated amusement devices or from individuals practicing for or participating in athletic activities sponsored by the named insured, related to any carnival, circus, or fair.

GL-856–Corporal Punishment

This optional endorsement amends coverage to include bodily injury arising from an insured administering corporal punishment.

NOTE: It is not recommended to use this endorsement with GL-857.

GL-857–Exclusion-Corporal Punishment

This optional exclusion endorsement removes coverage for injury or damage arising from an insured administering corporal punishment.

NOTE: It is not recommended to use this endorsement with GL-856.

GL-858–Underground Resources and Equipment Coverage

This optional endorsement provides limited coverage for underground resources and equipment hazards. A description of the operations and an aggregate limit for the hazard must be shown on the endorsement schedule. The aggregate limit is subject to the occurrence, general, and products/completed work aggregates and is a per well aggregate.

NOTE: Coverage can be excluded by using GL-881.

GL-859–Exclusion–Volunteer Firefighter

This optional exclusion endorsement removes coverage for volunteer firefighters injured while performing their duties.

NOTE: There are two versions of this form. GL-859 Ed. 2.1 applies only to members of the named insured’s organization. GL-859 Ed.2.0 applies to any volunteer firefighter regardless of their affiliation with the named insured.

GL-860–Vessels

This optional endorsement expands coverage by removing the watercraft exclusion for any watercraft described on the endorsement schedule. However, it also introduces two new exclusions. One eliminates bodily injury coverage if the watercraft transports people for a fee, and the other removes coverage for the ownership, maintenance, operation, use, loading or unloading of any barge rented to others by the named insured unless the named insured retains operating control of the barge.

GL-861–Exclusion-Bicycles

This optional exclusion endorsement removes coverage for injury or damage arising out of the off-site use of a bicycle or delivery tricycle.

GL-862–Exclusion-Blowout and Cratering Hazard

This optional exclusion endorsement applies only to the described operations scheduled on the endorsement. As well, coverage is removed for above ground property damage caused by a blowout or cratering of a well.

GL-863–Heating and Power Companies

This optional endorsement amends the definition of products to exclude electricity, gas, or steam, but only if they are supplied by an electric light and power, gas, steam heating, or power company, or if a cooperative supplies them.

GL-864–Automobile Servicing or Dumping Hoists

This optional endorsement amends the care, custody, or control exclusion to include damage arising from the use of hydraulic or mechanical hoists during auto servicing or when dumping material from an auto.

GL-865–Bicycle Liability

This optional endorsement is intended to provide coverage for bicycle liability. Since the form already includes this coverage, no exclusion removes it. However, this endorsement provides insured status to anyone using the bicycle with the insured’s permission. It also introduces an exclusion to exclude coverage for motorized bicycles and bicycles rented to others by the insured or an insured’s family member.

NOTE: This endorsement should not be combined with GL-861.

GL-867–Clubs

This endorsement broadens coverage to include club members as insureds, much like GL-844. It also offers the option to extend coverage to saddle animals and watercraft exposures. The endorsement schedule will show a premium charge indicating coverage. A description of the premises must be included on the schedule.

GL-868–Exclusion-Movement of Buildings or Structures

This optional exclusion endorsement removes coverage when a motor vehicle or mobile equipment is used to move a building or structure from one foundation to another.

GL-870–Teachers' Liability Coverage (Including Optional Medical Payments for Pupils)

This optional endorsement provides protection for the individuals named on the endorsement schedule for liability resulting from their teaching activities. It also includes student medical payments for accidents arising from the teachers’ activities. The endorsement schedule includes the coverages and limits desired.

GL-871– Exclusion–Insurance and Related Operations

This optional exclusion endorsement eliminates coverage for injury and damage related to providing or failing to provide professional insurance services and related operations.

GL-872–Farm Employers Liability Coverage

This optional endorsement adds employers liability coverage but only for farm workers. It is only used in states where workers compensation for farm workers is not mandated, as there is no coverage for employees if workers compensation is mandated. The endorsement schedule must be completed in full.

GL-873–Cold Storage Locker Facility

This optional endorsement changes the definition of products to include food or beverages stored for others at any cold storage locker facility owned or operated by the named insured. However, there is no coverage if damage occurs during storage or if the items spoil after the named insured no longer has possession of them.

GL-874–Additional Insured-Golfmobiles

This optional endorsement broadens the definition of insured to include any person using or legally responsible for using a golfmobile the named insured or its concessionaire has loaned or rented out.

GL-875 –Exclusion-Professional Liability-Health and Exercise Clubs

This optional exclusion endorsement eliminates coverage for injuries or damage arising from services or advice provided by physical fitness professionals.

GL-876–Exclusion-Errors and Omissions–Construction Management

This optional exclusion endorsement removes coverage for injury or damage arising from professional services or advice related to construction management provided by the named insured. However, it does not apply to construction or demolition work performed by the named insured, its employees, or subcontractors.

GL-877– Exclusion-Real Property You Manage

This optional exclusion endorsement removes property damage coverage for property the named insured supervises. Additionally, it amends the Insurance Under More Than One Policy Condition to be excess rather than primary, applying over all other valid and collectible insurance on properties where the named insured is a real estate manager.

GL-878– Exclusion–Insured's Products

This optional exclusion endorsement removes coverage for damages arising from the named insured's products after they are in someone else’s possession, regardless of where the injury occurs.

GL-879–Exclusion–Specified Premises and Operations

This optional exclusion endorsement removes coverage for occurrences at the scheduled premises due to the scheduled operations.

GL-880–Construction of Residences on Vacant Land

This optional endorsement amends the definition of Insured premises by including the land described on the endorsement schedule as insured premises when the insured is constructing a one or two family dwelling. Additionally, a property damage exclusion is removed, although it is not clearly identified.

It states the insurance company will not cover property damage if the work is performed by the insured, if the damage is caused by that work, or if it is part of it, as included in the products/completed work hazard.

NOTE: When this endorsement is attached to a GL-200, it could create ambiguities.

GL-882–Camps

This optional endorsement allows camps to schedule coverage for saddle animals, watercraft exposures, or first aid coverage for campers.

GL-883–Hotels and Motels (Lessor's Risk Only)

This optional endorsement allows hotel and motel operations to schedule coverage for saddle animals and/or watercraft exposures it rents or leases to others on the described premises. Exceptions apply. Coverage does not apply if the endorsement schedule does not indicate a premium in the relevant space.

GL-884–Hotels and Motels (Operator's Risk Only)

This optional endorsement allows hotels and motel operations to schedule coverage for saddle animals and/or watercraft exposures it operates on the described premises. Exceptions apply. Coverage does not apply if the endorsement schedule does not indicate a premium in the relevant space.

GL-885–Mobile Home Parks or Courts

This optional endorsement allows mobile home parks or courts to schedule coverage for saddle animals and/or watercraft exposures on the described premises. With this endorsement, mobile home parks or courts include renting space to tourists for RVs or campsites. Exceptions apply. Coverage does not apply if the endorsement schedule does not indicate a premium in the relevant space.

GL-886–Exclusion-Medical Payments (Day Care Centers)

This optional exclusion endorsement eliminates medical payments coverage for children enrolled in a daycare center. However, coverage still applies for children who visit the center but are not enrolled.

GL-887–Additional Insured-Non-Profit Organizations-Members, Officials and Volunteer Workers

This optional endorsement broadens the definition of insured to include the insured's members, trustees, officials, members of the board of governors, or volunteer workers.

GL-890–Lead Liability Exclusion

This is a mandatory endorsement under certain programs and/or in some states. It excludes liability for lead in any form or manner. It is described within the analysis of the GL-200.

Related Article: AAIS Commercial Liability Coverage Form Analysis

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

This optional endorsement adds a new coverage with separate scheduled limits and operates on a claims-made basis. It covers damages resulting from a negligent act, error, or omission related to administering an employee benefits program. Limits for each claim and aggregate, and a retroactive date must be entered for coverage to apply.

NOTE: Carefully review this endorsement in its entirety before using.

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

This optional endorsement can be purchased when the employee benefits coverage is cancelled or nonrenewed. It provides the extended reporting period described within the GL 892.

GL-894–Punitive Damages Exclusion

This optional exclusion endorsement removes coverage for vindictive, punitive, or exemplary damages awarded by a court. Its purpose is to influence the insured's conduct.

GL-895–Employee Redefined

This optional endorsement removes temporary or leased workers from the definition of employee.

GL-896–Carnivals and Circuses

This optional exclusion endorsement removes coverage for bodily injury or property damage arising out of mechanically operated amusement devices. It also excludes bodily injury coverage for anyone practicing for or participating in athletic activities.

GL-897–Laundry or Dry Cleaning

This optional endorsement provides an exception to the care, custody, and control property damage by including coverage for laundry or dry cleaning.

GL-898–Cross Liability Coverage

This optional endorsement provides coverage to an insured for bodily injury or personal injury, provided it is not specifically excluded in the policy. It ensures that if one insured is held liable for damages to another insured under the same policy, the coverage will function as if each party has separate coverage.

NOTE: This endorsement should not be used with GL-899.

GL-899– Cross Liability Exclusion

This optional exclusion endorsement removes all coverage for bodily injury or personal injury to an insured.

NOTE: This endorsement should not be used with GL-898.

GL-902–Contractual Liability Coverage

(Use with GL-100, GL-600 or GL-610)

This optional endorsement adds Contractual Liability Coverage as a Supplemental Coverage for any contract or agreement related to the insured operations, where the insured has assumed tort liability of another. Exclusions apply.

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

(Use with only GL-200)

This optional endorsement amends the Supplemental Coverages under the Contractual Liability to incidental contractual liability only by limiting coverage to specific contract types and excluding coverage for contracts where the insured assumes tort liability within the contract. Exclusions apply.

GL-904–Personal and Advertising Injury Liability Coverage

This optional endorsement adds Coverage P—Personal and Advertising Injury Liability—to the policy. A limit of insurance must be entered for any one person or organization for coverage to apply.

NOTE: This endorsement is not needed for GL-200 since Coverage P is automatically included in the coverage form.

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

This optional exclusion endorsement removes all coverage for and references to Coverage P–Personal Injury Liability and Advertising Injury Liability.

GL-906–Leased Premises Limitation

This optional endorsement restricts contractual liability to only those premises described on the endorsement schedule. An entry must be made on the schedule for this coverage to apply.

GL-914–Limited Liability Company

This optional endorsement modifies the definition of insured to include Limited Liability Companies as a type of business entity.

GL-917–Calendar Date or Time Failure Exclusion

This optional exclusion endorsement removes coverage for property damage caused by equipment failure related to the inability to read a calendar date or timestamp. However, it does not exclude coverage for bodily injury.

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

This conditional endorsement excludes coverage for any claim due to the failure of equipment when it cannot read a calendar date or time stamp.

GL 1020–Other Insurance Amendment

(Use only with GL-100 and GL-200)

This is a mandatory endorsement amending the Conditions section for Insurance Under More Than One Policy by adding the language that this coverage is excess over primary coverage granted to the insured as an additional insured on another’s policy. It is detailed in the GL-200 analysis.

Related Article: AAIS Commercial Liability Coverage Form Analysis

GL 1021–Other Insurance Amendment

(Use only with GL-600)

GL 1022–Information Distribution and Recording Violations Exclusion

This endorsement is mandatory and does not cover injuries or damages caused by or alleged to be caused by violations of laws such as the Telephone Consumer Protection Act of 1991 (TCPA), the CAN-SPAM Act of 2003, the Fair Credit Reporting Act (FCRA), and other applicable statutes. Details are provided in the analysis of the GL-200.

Related Article: AAIS Commercial Liability Coverage Form Analysis

GL 1023–Exclusion-Communicable Disease

( Use only with GL-100, GL-200, and GL-610)

GL 1024–Exclusion-Communicable Disease - Limited Products Excepted

( Use only with GL-100, GL-200, and GL-610)

This optional exclusion endorsement does not cover the transmission or suspected transmission of communicable diseases, regardless of the insured's role or their property involved. However, an exception applies when the transmission is due to a product intended for consumption by humans or animals or for their topical use.

GL 1270–Conditional Terrorism Exclusion

This conditional endorsement can be added to a policy to exclude terrorism-related losses, especially when there's uncertainty about the future of the federal Terrorism Risk Insurance Program, whether it will end or continue, without mandating certified terrorism coverage for policyholders. It defines terrorism and specifies an exclusion for terrorism involving nuclear, biological, chemical means, or other terrorism-related events, provided the predefined monetary or bodily injury threshold in the endorsement is met first.

Additionally, the endorsement clarifies the policy's current exclusions will remain in effect for any terrorism incidents not subject to the Terrorism Exclusion added to the endorsement.

GL 1280–Conditional Nuclear, Biological, and Chemical Terrorism Exclusion

This conditional endorsement can be added to a policy to exclude terrorism-related losses, especially when there's uncertainty about the future of the federal Terrorism Risk Insurance Program, whether it will end or continue, without requiring certified terrorism coverage for policyholders. It defines terrorism and includes an exclusion for terrorism involving nuclear, biological, or chemical means.

Additionally, the endorsement clarifies that the policy's current exclusions will remain in effect for any terrorism incidents not subject to the Terrorism Exclusion added to the endorsement.

GL 1342–Other Insurance Amendment

(Use only with GL-610)

This is a mandatory endorsement amending the Conditions section under Insurance Under More Than One Policy by including language specifying this coverage is excess over the primary coverage granted to the insured as an additional insured on another policy, for losses related to the premises, operations, completed work, or products.

GL 1352–Exclusion-Data Breach Liability-Personal Injury or Advertising Injury

This is an optional endorsement excluding coverage for personal injury and advertising injury in cases involving data breach liability, such as disclosures or access to confidential information. Expenses related to these disclosures are also not covered.

NOTE: This is a less restrictive version of the mandatory GL 1353 below. It should not be used with the GL 1353.

GL 1353–Exclusion-Data Breach Liability

This is a mandatory endorsement excluding coverage for bodily injury, property damage, personal injury, or advertising injury in cases involving data breach liability, such as disclosures or access to confidential information. Expenses related to these disclosures are also not covered. It is described in detail within the analysis of the GL-200.

Related Article: AAIS Commercial Liability Coverage Form Analysis

GL 2270–Terrorism Exclusion

This optional endorsement can be added to a policy taking effect after the federal Terrorism Risk Insurance Program ends. It specifically excludes coverage for terrorism-related losses. The endorsement defines terrorism and includes an exclusion for terrorism caused by nuclear, biological, chemical, or other means, provided the injury or damage thresholds are met. Additionally, it clarifies that the policy's existing exclusions will continue to apply to any terrorism incidents not covered by this Terrorism Exclusion.

GL 2280–Nuclear, Biological, and Chemical Terrorism Exclusion

This optional endorsement can be added to a policy taking effect after the federal Terrorism Risk Insurance Program ends. The endorsement defines terrorism and includes an exclusion for terrorism caused by nuclear, biological, chemical, or other means. Additionally, it clarifies that the policy's existing exclusions will continue to apply to any terrorism incidents not covered by this Terrorism Exclusion.