NEWS
General Liability Plus
We’ve expanded our General Liability Plus endorsement with enhanced coverages and increased sublimits designed to meet evolving contractual requirements. Here’s what’s changed and what’s new.
Broadened Coverage
– Employee Benefits Liability coverage aggregate limit increased to $3,000,000, and now includes prior acts protection when the insured had no knowledge of a claim or suit.
– Additional insureds are automatically included for government permits or authorizations and for mortgagees, assignees, or receivers when required by contract.
– Primary and noncontributory wording has been added to clarify how coverage applies when multiple policies are involved.
Enhanced Limits
– Damage to Premises Rented to You limit increased to $500,000, expanding coverage for losses such as fire, smoke, soot, lightning, or explosion.
– Borrowed Equipment coverage added up to $15,000 with a $500 deductible.
– Supplementary Payment limits increased to $2,500 for bail bonds, and loss of earnings increased from $400 to $500 per day.
Expanded Contractual Protections
– Railroad Work Contractual Liability broadened to include operations within 50 feet of railroad property, removing previous restrictions.
– Definition of “insured contract” clarified to ensure consistent protection for work performed near rail lines.
Additional Coverages: Contractor's GL Plus*
Care, Custody or Control
Adds protection for certain property in the contractor’s care, custody, or control. Limit expanded to $5,000 per occurrence with $250 deductible.
Damage to “Your Work” by Subcontractors
Extends Coverage A to include property damage to your work if the damage arises out of completed work performed on your behalf by subcontractors and deems this property damage to be caused by an occurrence.
Medical Payments
Automatically increases medical expense limit to $10,000 per person.
Sole Negligence Coverage
Provides protection for sole negligence or “arising out of” coverage when required by written contract or agreement, reverting to “caused in whole or in part” coverage otherwise.
*Available in AZ, CT, CO, GA, KY, ID, IL, IN, MA, MD, MI, NC, NH, NM, NV, NY, OH, OK, PA, SC, TN, TX, UT, VA, WI
