MISCELLANEOUS UNACCEPTABLE ENDORSEMENTS. Endorsement Form Number Title of Endorsement Carrier Issue Solution

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Shanon Harrell
9 years ago
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1 00 AGL (Arch) Limited Cross Suits Exclusion Arch Specialty 00 AGL (Arch NY) Underinsured Contractors Arch Specialty 00 AGL (Arch NY) Underinsured Contractors Arch Specialty 00 CGL (Arch NY) Underinsured Contractors Arch Ins Co (1 07) Subcontractor Caused Property Damage Exclusion for Progressive Damage (Ed. 2 08) Exclusion Construction or Development or Maintenance or Renovation, Total Auto Owners/Southern Owners Chubb Excludes coverage for cross suits of employee vs employee and does not meet our contractual requirements Go to page 13 of the policy form and look at the section they have deleted in this endorsement. They are adding back the damage to work by, but, then excluding all primary wording with regard to coverage on this endorsement. Excludes nearly every scope of work we would contract for. Also, excludes any work in that description performed on their behalf, such as lower tier subs Don't accept any Auto Owners/Southern Owners GL insurance AD Prior Products and Operations Exclusion Admiral AD Special Exclusions Joint Form Admiral AGL Exclusion Independent Contractors or Subcontractors Atlantic Casualty Excludes all subcontracted work ANF ES 162 (7 05) Exclusion Navigators Specialty BP Fungi or Bacteria Exclusion Depends on scope of work and whether or not they have a separate pollution policy that covers mold, fungi and bacteria PAGE 1 OF 5

2 08) Exclusion Construction or Development or Maintenance or Renovation, Total Auto Owners/Southern Owners Chubb Excludes coverage for cross suits of employee vs employee and does not meet our

2 BP Oregon Amendment of Insured Contract Definition Has added negligence triggers to definition of "insured contract" BP Exclusion Damage to Work Performed By Subcontractors On Your Behalf Excludes all subcontracted work CG D Amendment of Contractual Liability Exclusion for Other Than Designated Construction Projects Exception for Damages Assumed in An Insured Contract Applies Only to Named Insured Travelers Adds "by you" to contractual liability, limiting contractual liability to named insured instead of "any insured" (per Russ negotiation with carrier) CG D Amendment of Contractual Liability Exclusion Exception for Damages Assumed in Certain Insured Contracts. Travelers Excludes Definition f of "insured contract" which is the only definition that applies to us (per Russ negotiation with carrier) CG Exclusion Employees and Volunteer Workers as Insureds Excludes employees & volunteer workers as insureds and excludes coverage for autos, watercraft or aircraft operated by employees or volunteer workers CG Contractual Liability Limitation Explosion, Collapse, Underground (XCU) CG Redefines "insured contract" to eliminate our contract as an "insured contract" To be reviewed on case by case basis depends on sub's scope of work CG Exclusion Damage to Work Performed by Subcontractors on Your Behalf Exclusion Damage to Work Performed by CG Subcontractors on Your Behalf Designated Sites or Operations CG "Signature Series" CGL endorsement Westfield Lots of s and restrictions making CGL policy no longer compliant CG Blanket Additional Insured Liberty Mutual Excludes subcontracted work CSGA Independent Contractors Limitation Cincinnati Specialty Underwriters PAGE 2 OF 5

Contract Applies Only to Named Insured Travelers Adds "by you" to contractual liability, limiting contractual liability to named insured instead of "any insured" (per Russ negotiation with carrier)

3 CVX GL 0104a( ) CSCX FMIC GL 2011 (04/2011) FMIC GL 2397 (07/2014) Independent Contractors Limitation of Coverage Bodily Injury to Contractors' or Subcontractors' Employees Exclusion Continuous or Progressive Injury and Damage Exclusion Anti Stacking Endorsement carrier has provided an acceptable alternate form that does not eliminate coverage but adds premium if the named insured does Excludes subcontracted work unless their subs meet not obtain the coverage from their certain restrictions that are not ones we can verify for see form number First Mercury/Gemini compliance FMIC GL 2009 (05/14) in folder Cincinnati Specialty Underwriters Eliminates coverage for third party over suits First Mercury/Gemini First Mercury/Crum & Forster Restricts limits available to all insureds if other Crum & Forster policies are in effect for same incident GL (06 00) Exclusion Subsidence of Land Depositors Excludes all earth movement GLS 281s (9 07) manuscripted Continuing or Ongoing Damage Exclusion Scottsdale Combination Commercial Construction ME Endorsement Essex/Markel ProSight manuscripted Subcontractor Agreement Rider ProSight Prime Specialty manuscripted Subcontractor Agreement Rider Prime Specialty RIC 3223 (Ed ) Contractor Subcontractor Warranty RSUI/ Landmark/ Covington see sample of endorsement giving back coverage in folder Must either remove or Requires their to maintain coverages sub must identify all subs/suppliers and excludes coverage if their subs' insurances do not and provide excecuted copies of comply form must be signed by our sub and each of this form to us before commencing their work Must either remove or Requires their to maintain coverages sub must identify all subs/suppliers and excludes coverage if their subs' insurances do not and provide excecuted copies of comply form must be signed by our sub and each of this form to us before commencing their work Requires their to maintain coverages and excludes coverage if their subs' insurances do not comply PAGE 3 OF 5

insured does Excludes subcontracted work unless their subs meet not obtain the coverage from their certain restrictions that are not ones we can verify for see form number First Mercury/Gemini

4 SIS TC 0101 (05/13) SLC Various titles manuscripted form; none I have reviewed so far are acceptable Exclusion United Specialty XL America TEN Cross Suits Exclusion Houston Specialty Tokio Marine manuscripted Continuing or Ongoing Damage Exclusion Tokio Marine USIC VEN Other Insurance Amendatory Endorsement United Specialty USIC VEN Total Prior Work Exclusion United Specialty Excludes coverage for numerous things in policy; must review each one Excludes all cross suits liability, including Named insured against additional insured see endorsement in folder VERIFY ALL OF THESE BEFORE APPROVING ANY UNITED SPECIALTY INSURANCE see sample of endorsement giving back coverage in folder Makes CGL policy excess for both named insured and additional insured Eliminates coverage if work spans multiple policy periods USIC VEN Subcontractor Warranty United Specialty USIC VEN Pre Existing Injury or Damage Exclusion United Specialty USIC VEN Amended Pre Existing Injury or Damage Exclusion United Specialty Eliminates coverage and defense if lower tiers do not maintain coverages required in this endorsement USIC VEN A CGL Liability Changes United Specialty More restrictive than ISO policy form and reduces limits available see note on VCAS Exclusion Continuing Damages Berkley Assurance VE Open Roof Exclusion Gemini We have no control over this VE Independent Contractors Limitation Gemini Okay because it says will cover them, but, the insured will be paying additional premium if they don't follow the requirements VE Torch Down Roofing Exclusion Gemini We have no control over this VE Gemini VE Gemini VEN (01/15) Pre Existing Injury or Damage Exclusion Knight Specialty PAGE 4 OF 5

Work Exclusion United Specialty Excludes coverage for numerous things in policy; must review each one Excludes all cross suits liability, including Named insured against additional insured see

5 WW421 (11 13) GL Waiver Unacceptable GL Waiver Western World Unacceptable "sole negligence" on part of named insured NOTE: We are not accepting any s from any carriers that exclude coverage "whether or known or unknown." It's not negotiable. PAGE 5 OF 5

We are not accepting any s from any carriers that exclude

W.E. O NEIL CONSTRUCTION CO. OF COLORADO INSURANCE REQUIREMENTS. Project Name Project Address City, State Zip

W.E. O NEIL CONSTRUCTION CO. OF COLORADO INSURANCE REQUIREMENTS Project Name Project Address Subcontractor SHALL NOT COMMENCE WORK at the site until it has obtained and provided all insurance required