Commercial Insurance Endorsements

What Are Commercial Insurance Endorsements? Commercial insurance endorsements is a common phrase used by insurance service providers, brokers, and lawyers but is vastly unknown to business owners. The short explanation is that commercial insurance endorsements are a document that accompanies the insurance policy, which either adds, removes, or changes coverage in some way.

However, the question you're probably asking is, what does having an endorsement change in the coverage offered? Every insurance policy has a standard coverage form. A general liability form for commercial property is usually CP0010 and the CG0001 form. Both forms provide some sort of baseline coverage and are used across a myriad of industries in every policy regardless of size.

Lumping every business in North America into one or a similar policy is a bad idea because all businesses don't necessarily want the same type of insurance, and in some cases, this can be overkill. Then there are businesses that are far too risky for insurance companies to insure via the standardized form, and they require a "monoline policy."

What are commercial insurance endorsements? So these high-risk businesses will need coverage that's beyond what's considered the standard. The endorsement is what customizes the insurance product to the needs of the insurance carrier and customer alike.

What are commercial insurance endorsements? Business insurance endorsements modify the standard commercial insurance policy forms to either add, delete, or exclude certain types of coverage.

Does My Business Insurance Policy Need Commercial Insurance Endorsements?
What Is Considered A Good Commercial Insurance Endorsement?
What Is Considered A Bad Commercial Insurance Endorsement?
How Can Commercial Insurance Endorsements Change My Policy?
What Are The Commercial Property Insurance Endorsements?
What Are The Commercial General Liability Insurance Endorsements?
What Are The Commercial Auto Insurance Endorsements?

Does My Business Insurance Policy Need Commercial Insurance Endorsements?

The common perception is that having endorsements is bad when changes are being made to the standard insuring agreements. While we agree that endorsements could be bad, but they also are good at the same time.

An endorsement can do something simple as adding clarity or define a specific type of coverage. At times it is used to add coverage that is otherwise excluded in the policy.

One thing you can be sure of is that commercial insurance endorsements will always be on your policy. What are commercial insurance endorsements? However, you aren't going to know if they are beneficial for sure or maybe add more risk to the business until you read the specific endorsements.

What Is Considered A Good Commercial Insurance Endorsement?

One of the questions that people ask is how do we know if an endorsement is good? Well, we've put together a few typical instances of good or beneficial endorsements.

Enhancements For Your Industry

What are commercial insurance endorsements? Over the past few years, it has become a common practice amongst insurers to have an enhancement endorsement for the industries that they are catering to. Usually, there is a list of coverage that isn't included in the regular or standard forms.

A common instance of this is that a contractor's enhancement endorsement will usually include coverage for all hand tools and property transit. The enhancements are either given for free or they can be had at a lower rate as opposed to if you were to purchase them individually.

This is a good endorsement because it will add coverage to your standard insurance if you're a contractor.

Additional Insured Endorsements

Now, these happen to be pretty common in most industries. It may be required by a vendor, landlord, or customer, but most businesses are already familiar with it.

Adding it helps to change the original liability coverage, usually from just covering you to now covering an entity beyond you. Take the instance of a plumbing contractor who did some work that resulted in extensive water damage to the client's property; having an additional insured endorsement will help cover the plumbing contractor and the general contractor that was listed in the endorsement.

What Is Considered A Bad Commercial Insurance Endorsement?

As stated in the previous section, some endorsements will add coverage that wasn't originally in the form. However, some endorsements will also alter and remove coverage which is detrimental.

The technique is often used to mitigate and lower the risk associated with some businesses. Below is a brief list of the type of insurance endorsements that commonly take coverage away negatively.

Protective Safeguard Endorsements

It is a way for the applicant to have a couple of protective features which allow them to protect their personal property like a sprinkler, burglar alarm, or a fire alarm, for that matter. However, the endorsement will state that your claim will not be entertained if you don't have or don't maintain this equipment.

Take the instance of a restaurant where large and open flames are quite common, the insurance endorsement will state that they will not pay a claim if the sprinkler system does not work. In other words, the insured is responsible for avoiding and mitigating disasters.

Operations Limitation

Many companies or businesses that operate in higher-risk industries like energy or construction will often have to deal with an endorsement that covers specific trades that were mentioned in the application.

Take, for instance, if you provide electrical repair services, the limitation would mean that your business will not be covered if you were also repairing sewer lines. The operations limitation is meant to prevent companies and individuals from performing operations that offer new risks without having to first notify the insurance service provider.

What are commercial insurance endorsements? If you are dealing with a similar endorsement, make sure that you review it with your insurance broker each year to ensure that the business still falls within the policy's operational limits.

How Can Commercial Insurance Endorsements Change My Policy?

Many commercial insurance policies will include a state-specific endorsement that alters your contract's conditions so that it fits the guidelines and the laws of the state where the policy is based.

Usually, this will relate to renewal, cancellation, and the non-renewal process. Also, outlining how the administrative tasks are to be handled.

It is important to be clear here that these endorsements aren't adding or even removing coverage but instead further detailing the duties and processes required by your business in the state of its incorporation.

What Are The Commercial Property Insurance Endorsements?

This list identifies endorsements by form number and title available to modify or attach to the Insurance Services Office (ISO) Commercial Property Program. It is intended for use with the following:

CP 01 40-Exclusion of Loss Due to Virus or Bacteria
CP 03 20-Multiple Deductible Form
CP 03 21-Windstorm or Hail Percentage Deductible
CP 03 29-Deductibles by Location
CP 04 01-Brands and Labels
CP 04 02-Increased Cost of Loss and Related Expenses for Green Upgrades
CP 04 04-Specified Business Personal Property Temporarily Away From Premises
CP 04 05-Ordinance or Law Coverage
CP 04 07-Pollutant Clean Up and Removal Additional Aggregate Limit of Insurance
CP 04 08-Higher Limits
CP 04 09-Increase in Rebuilding Expenses Following Disaster (Additional Expense Coverage on Annual Aggregate Basis)
CP 04 10-Electrical Apparatus
CP 04 11-Protective Safeguards
CP 04 14-Limited Coverage for Unmanned Aircraft (Scheduled and/or Unmanned Aircraft)
CP 04 15-Debris Removal Additional Limit of Insurance
CP 04 17-Utility Services-Direct Damage
CP 04 25-Newly Acquired or Constructed Property-Increased Limit
CP 04 26-Ordinance of Law Coverage for Tenants Interest in Improvements and Betterments (Tenant's Policy)
CP 04 30-Electronic Commerce (E-Commerce)
CP 04 31-Changes-Fungus, Wet Rot, Dry Rot, and Bacteria
CP 04 32-Business Personal Property Limited International Coverage
CP 04 33-Property in Process of Manufacture by Others Limited International Coverage
CP 04 38-Functional Building Valuation
CP 04 39-Functional Personal Property Valuation (Other Than Stock)
CP 04 40-Spoilage Coverage
CP 04 50-Vacancy Permit
CP 04 60-Vacancy Changes
CP 10 10-Causes of Loss-Basic Form
CP 10 20-Causes of Loss-Broad Form
CP 10 28-Earthquake and Volcanic Eruption Coverage with Flat-Dollar Deductible
CP 10 29-Earthquake and Volcanic Eruption Coverage (Sub-Limit Form with Flat-Dollar Deductible)
CP 10 30-Causes of Loss-Special Form
CP 10 33-Theft Exclusion
CP 10 34-Exclusion of Loss Due to By-products of Production or Processing Operations (Rental Properties)
CP 10 35-Watercraft Exclusion
CP 10 36-Limitations on Coverage for Roof Surfacing
CP 10 37-Radioactive Contamination
CP 10 38-Discharge from Sewer, Drain, or Sump (Not Flood-related)
CP 10 39-Sprinkler Leakage-Earthquake Extension
CP 10 40-Earthquake and Volcanic Eruption Coverage with Percentage Deductible
CP 10 41-Earthquake Inception Extension
CP 10 44-Theft of Building Materials and Supplies (Other than Builders Risk)
CP 10 45-Earthquake and Volcanic Eruption Coverage (Sub-limit Form with Percentage Deductible)
CP 10 46-Equipment Breakdown Cause of Loss
CP 10 47-Suspension or Reinstatement of Coverage for Loss Caused by Breakdown of Certain Equipment
CP 10 51-Grain Properties-Explosion Limitation
CP 10 54-Windstorm or Hail Exclusion
CP 10 55-Vandalism Exclusion
CP 10 56-Sprinkler Leakage Exclusion
CP 10 60-Molten Material
CP 10 65-Flood Coverage
CP 10 70-Pier and Wharf Additional Covered Causes of Loss
CP 12 11-Burglary and Robbery Protective Systems
CP 12 18-Loss Payable Provisions
CP 12 19-Additional Insured-Building Owner
CP 12 30-Peak Season Limit of Insurance
CP 12 32-Limitation on Loss Settlement-Blanket Insurance (Margin Clause)
CP 12 70-Joint or Disputed Loss Agreement
CP 13 10-Value Reporting Form
CP 13 20-Additional Locations-Special Coinsurance Provisions
CP 13 30-Agricultural Products Storage
CP 14 01-Scheduled Building Property - Tenant's Policy
CP 14 02-Unscheduled Building Property - Tenant's Policy
CP 14 10-Additional Covered Property
CP 14 15-Additional Building Property
CP 14 20-Additional Property Not Covered
CP 14 30-Outdoor Trees, Shrubs, and Plants
CP 14 40-Outdoor Signs
CP 14 50-Radio or Television Antennas
CP 14 60-Leased Property
CP 19 10-Your Business Personal Property-Separation of Coverage
CP 99 02-Manufacturers' Consequential Loss Assumption
CP 99 05-Distilled Spirits and Wines Market Value
CP 99 10-Alcoholic Beverages Tax Exclusion
CP 99 20-Contributing Insurance
CP 99 30-Manufacturers' Selling Price
CP 99 31-Market Value-Stock
CP 99 42-Storage or Repairs Limited Liability
CP 99 92-Household Personal Property Coverage
CP 99 93-Tentative Rates
IL 00 03-Calculation of Premium
IL 09 35-Exclusion of Certain Computer-Related Losses

What Are The Commercial General Liability Insurance Endorsements?

This list identifies endorsements by form number and title that are available to modify or attach to the Insurance Services Office (ISO) Commercial General Liability Coverage Forms. It does not include forms or endorsements that apply to other ISO coverage forms or policies, or any state specific endorsements, changes, or amendments:

CG 02 24-Earlier Notice of Cancellation Provided By Us
CG 03 00-Deductible Liability Insurance
CG 03 05-Deductible Liability Insurance
CG 04 22-Pollution Liability Coverage Extension
CG 04 24-Coverage for Injury to Leased Workers
CG 04 26-Coverage for Injury to Leased Workers
CG 04 28-Pollution Exclusion-Named Peril Limited Exception for a Short-Term Pollution Event
CG 04 29-Pollution Exclusion-Limited Exception for a Short-Term Pollution Event
CG 04 30-Pollution Exclusion-Limited Exception for Designated Pollutant(s)
CG 04 31-Year 2000 Computer-Related and Other Electronic Problems-Limited Coverage Options
CG 04 32-Year 2000 Computer-Related and Other Electronic Problems-Limited Coverage Options
CG 04 35-Employee Benefits Liability Coverage
CG 04 36-Limited Product Withdrawal Expense Endorsement
CG 04 37-Electronic Data Liability
CG 04 71-Electronic Data Liability - Limited Bodily Injury Exception Not Included
CG 04 72-Electronic Data Liability Coverage (Coverage A) with Access or Disclosure of Confidential or Personal Information Exclusion (Coverage B)
CG 20 01-Primary and Non-Contributory-Other Insurance Condition
CG 20 02-Additional Insured-Club Members
CG 20 03-Additional Insured-Concessionaires Trading Under Your Name
CG 20 04-Additional Insured-Condominium Unit Owners
CG 20 05-Additional Insured-Controlling Interest
CG 20 07-Additional Insured-Engineers, Architects, or Surveyors
CG 20 08-Additional Insured-Users of Golfmobiles
CG 20 10-Additional Insured-Owners, Lessees, or Contractors-Scheduled Person or Organization
CG 20 11-Additional Insured-Managers or Lessors of Premises
CG 20 12-Additional Insured-State or Governmental Agency or Subdivision or Political Subdivision-Permits or Authorizations
CG 20 13-Additional Insured-State or Governmental Agency or Subdivision or Political Subdivision-Permits or Authorizations Relating to Premises
CG 20 14-Additional Insured-Users of Teams, Draft, or Saddle Animals
CG 20 15-Additional Insured-Vendors
CG 20 17-Additional Insured-Unit-owners of Townhouse or Homeowners Associations
CG 20 18-Additional Insured-Mortgagee, Assignee, or Receiver
CG 20 20-Additional Insured-Charitable Institutions
CG 20 22-Additional Insured-Church Members and Officers
CG 20 23-Additional Insured-Executors, Administrators, Trustees, or Beneficiaries
CG 20 24-Additional Insured-Owners or Other Interests from Whom Land Has Been Leased
CG 20 25-Additional Insured-Elective or Appointive Executive Officers of Public Corporations
CG 20 26-Additional Insured-Designated Person or Organization
CG 20 27-Additional Insured-Co-Owner of Insured Premises
CG 20 28-Additional Insured-Lessor of Leased Equipment
CG 20 29-Additional Insured-Grantor of Franchise
CG 20 30-Oil Or Gas Operations-Nonoperating, Working Interests
CG 20 31-Additional Insured-Engineers, Architects, or Surveyors
CG 20 32-Additional Insured-Engineers, Architects, or Surveyors Not Engaged by the Named Insured
CG 20 33-Additional Insured-Owners, Lessees, or Contractors-Automatic Status When Required in a Written Construction Agreement with You
CG 20 34-Additional Insured-Lessor of Leased Equipment-Automatic Status When Required in Lease Agreement with You
CG 20 35-Additional Insured-Grantor of Licenses-Automatic Status When Required by Licensor
CG 20 36-Additional Insured-Grantor of Licenses
CG 20 37-Additional Insured-Owners, Lessees, or Contractors-Completed Operations
CG 20 38-Additional Insured-Owners, Lessees, or Contractors-Automatic Status When Required in Written Construction Agreement
CG 20 39-Additional Insured-Owners, Lessees, or Contractors-Automatic Status When Required in Written Construction Agreement With You (Completed Operations)
CG 20 40-Additional Insured-Owners, Lessees, or Contractors-Automatic Status for Other Parties When Required in Written Construction Agreement (Completed Operations)
CG 20 41-Additional Insured-Owners, Lessees, or Contractors-Completed Operations Subject to the General Aggregate
CG 20 42-Additional Insured - Automatic Status for Designated Operations
CG 20 43-Additional Insured - Automatic Status When Required in Written Contract or Agreement
CG 20 44-Additional Insured - Vendors - Automatic Status When Required in Agreement (
CG 21 00-Exclusion-All Hazards in Connection with Designated Premises
CG 21 01-Exclusion-Athletic or Sports Participants
CG 21 04-Exclusion-Products-Completed Operations Hazard
CG 21 06-Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability - With Limited Bodily Injury Exception
CG 21 07- Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability - Limited Bodily Injury Exception Not Included
CG 21 08-Exclusion - Access or Disclosure of Confidential or Personal Information (Coverage B Only)
CG 21 09-Exclusion - Unmanned Aircraft
CG 21 10- Exclusion - Unmanned Aircraft (Coverage A Only)
CG 21 11-Exclusion - Unmanned Aircraft (Coverage B Only)
CG 21 16-Exclusion-Designated Professional Services
CG 21 17-Exclusion-Movement of Buildings or Structures
CG 21 31-Limited Exclusion-Designated Operations Covered By a Controlled (Wrap-Up) Insurance Program
CG 21 32-Communicable Disease Exclusion
CG 21 33-Exclusion-Designated Products
CG 21 34-Exclusion-Designated Work
CG 21 35-Exclusion-Coverage C-Medical Payments
CG 21 36-Exclusion-New Entities
CG 21 37-Exclusion-Employees and Volunteer Workers as Insureds
CG 21 38-Exclusion-Personal and Advertising Injury
CG 21 39-Contractual Liability Limitation
CG 21 41-Exclusion-Intercompany Products Suits
CG 21 42-Exclusion-Explosion, Collapse, and Underground Property Damage Hazard (Specified Operations)
CG 21 43-Exclusion-Explosion, Collapse, and Underground Property Damage Hazard (Specified Operations Excepted)
CG 21 44-Limitation of Coverage to Designated Premises or Projects
CG 21 45-Exclusion-Damage to Premises Rented to You
CG 21 46-Abuse or Molestation Exclusion
CG 21 47-Employment-Related Practices Exclusion
CG 21 49-Total Pollution Exclusion Endorsement
CG 21 50-Amendment of Liquor Liability Exclusion
CG 21 51-Amendment of Liquor Liability Exclusion-Exception for Scheduled Activities
CG 21 52-Exclusion-Financial Services
CG 21 53-Exclusion-Designated Ongoing Operations
CG 21 54-Exclusion-Designated Operations Covered By a Controlled (Wrap-Up) Insurance Program
CG 21 55-Total Pollution Exclusion with a Hostile Fire Exception
CG 21 56-Exclusion-Funeral Services
CG 21 57-Exclusion-Counseling Services
CG 21 58-Exclusion-Professional Veterinarian Services
CG 21 59-Exclusion-Diagnostic Testing Laboratories
CG 21 60-Exclusion-Year 2000 Computer-Related and Other Electronic Problems
CG 21 61-Exclusion-Year 2000 Computer-Related and Other Electronic Problems-Products/Completed Operations
CG 21 62-Exclusion-Year 2000 Computer-Related and Other Electronic Problems-With Exception for Bodily Injury on Your Premises
CG 21 63-Year 2000 Computer-Related and Other Electronic Problems-Exclusion of Specified Coverages for Designated Locations, Operations, Products, or Services
CG 21 64-Year 2000 Computer-Related and Other Electronic Problems-Exclusion of Specified Coverages for Designated Products or Completed Operations
CG 21 65-Total Pollution Exclusion with a Building Heating, Cooling, and Dehumidifying Equipment Exception and a Hostile Fire Exception
CG 21 66-Exclusion-Volunteer Workers as Insureds
CG 21 67-Fungi or Bacteria Exclusion
CG 21 70-Cap on Losses from Certified Acts of Terrorism
CG 21 71-Exclusion of Other Acts of Terrorism Committed Outside the United States; Cap on Losses from Certified Acts of Terrorism
CG 21 73-Exclusion of Certified Acts of Terrorism
CG 21 75-Exclusion of Certified Acts of Terrorism and Other Acts of Terrorism Committed Outside the United States
CG 21 76-Exclusion of Punitive Damages Related to a Certified Act of Terrorism
CG 21 80-Certified Acts of Terrorism Aggregate Limit; Cap on Losses from Certified Acts of Terrorism
CG 21 82-Certified Acts of Terrorism Aggregate Limit; Cap on Losses from Certified Acts of Terrorism
CG 21 84-Exclusion of Certified Acts of Nuclear, Biological, Chemical, or Radiological Acts of Terrorism; Cap on Losses from Certified Acts of Terrorism
CG 21 86-Exclusion-Exterior Insulation and Finish Systems
CG 21 87-Conditional Exclusion of Terrorism (Relating to Disposition of Federal Terrorism Risk Insurance Act)
CG 21 88-Conditional Exclusion of Terrorism Involving Nuclear, Biological, or Chemical Terrorism (Relating to Disposition of Federal Terrorism Risk Insurance Act)
CG 21 89-Conditional Limitation of Coverage for Terrorism on an Annual Aggregate Basis (Relating to Disposition of Federal Terrorism Risk Insurance Act)
CG 21 90-Exclusion of Terrorism
CG 21 91-Exclusion of Terrorism Involving Nuclear, Biological, or Chemical Terrorism
CG 21 92-Limitation of Coverage for Terrorism on an Annual Aggregate Basis
CG 21 93-Extended Reporting Period for Terrorism Coverage
CG 21 96-Silica or Silica-Related Dust Exclusion
CG 21 97-Abuse or Molestation Exclusion-Specified Professional Services
CG 21 98-Total Pollution Exclusion Endorsement
CG 21 99-Total Pollution Exclusion for Designated Products or Work
CG 22 24-Exclusion-Inspection, Appraisal, and Survey Companies
CG 22 27-Exclusion-Bodily Injury to Railroad Passengers
CG 22 28-Amendment-Travel Agency Tours (Limitation of Coverage)
CG 22 29-Exclusion-Property Entrusted
CG 22 30-Exclusion-Corporal Punishment
CG 22 31-Exclusion-Riot, Civil Commotion, or Mob Action-Governmental Subdivisions
CG 22 32-Exclusion-Professional Services-Blood Banks
CG 22 33-Exclusion-Testing or Consulting Errors and Omissions
CG 22 34-Exclusion-Construction Management Errors and Omissions
CG 22 36-Exclusion-Limited Products and Professional Services (Pharmacists)
CG 22 37-Exclusion-Products and Professional Services (Optical and Hearing Aid Establishments)
CG 22 38-Exclusion-Fiduciary or Representative Liability of Financial Institutions
CG 22 39-Exclusion-Camps or Campgrounds
CG 22 40-Exclusion-Medical Payments to Children Day Care Centers
CG 22 41-Exclusion-Housing Projects Sites
CG 22 42-Exclusion-Existence or Maintenance of Streets, Roads, Highways, or Bridges
CG 22 43-Exclusion-Engineers, Architects, or Surveyors Professional Liability
CG 22 44-Exclusion-Services Furnished By Health Care Providers
CG 22 45-Exclusion-Specified Therapeutic or Cosmetic Services
CG 22 46-Exclusion-Rolling Stock-Railroad Construction
CG 22 47-Exclusion-Saline Substances Contamination
CG 22 48-Exclusion-Insurance and Related Operations
CG 22 50-Exclusion-Failure to Supply
CG 22 51-Exclusion-Law Enforcement Activities
CG 22 52-Exclusion-Medical Payments Coverage (Inmates, Patients, or Prisoners)
CG 22 53-Exclusion-Laundry and Dry Cleaning Damage
CG 22 54-Exclusion-Logging and Lumbering Operations
CG 22 56-Exclusion-Injury to Volunteer Firefighters
CG 22 57-Exclusion-Underground Resources and Equipment
CG 22 58-Exclusion-Described Hazards (Carnivals, Circuses, and Fairs)
CG 22 60-Limitation of Coverage-Real Estate Operations
CG 22 62-Underground Resources and Equipment Coverage
CG 22 63-Stevedoring Operations Limited Completed Operations Coverage
CG 22 64-Pesticide or Herbicide Applicator Coverage
CG 22 65-Optical and Hearing Aid Establishments
CG 22 66-Misdelivery of Liquid Products Coverage
CG 22 67-Corporal Punishment
CG 22 68-Operations of Customers Autos on Particular Premises
CG 22 69-Pharmacists
CG 22 70-Real Estate Property Managed
CG 22 71-Colleges or Schools (Limited Form)
CG 22 72-Colleges or Schools
CG 22 73-Exclusion-Oil or Gas Producing Operations
CG 22 74-Limited Contractual Liability Coverage for Personal and Advertising Injury
CG 22 75-Professional Liability Exclusion-Computer Software
CG 22 76-Professional Liability Exclusion-Health or Exercise Clubs or Commercially Operated Health or Exercise Facilities
CG 22 77-Professional Liability Exclusion-Computer Data Processing
CG 22 78-Hazardous Material Contractors
CG 22 79-Exclusion-Contractors-Professional Liability
CG 22 80-Limited Exclusion-Contractors-Professional Liability
CG 22 81-Exclusion-Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate-Seed Merchants
CG 22 87-Exclusion-Adult Day Care Centers
CG 22 88-Professional Liability Exclusion-Electronic Data Processing Services and Computer Consulting or Programming Services
CG 22 90-Professional Liability Exclusion-Spas or Personal Enhancement Facilities
CG 22 91-Exclusion-Telecommunication Equipment or Service Providers Errors and Omissions
CG 22 92-Snow Plow Operations Coverage
CG 22 93-Lawn Care Services Coverage-Limited Pollution Coverage
CG 22 94-Exclusion-Damage to Work Performed By Subcontractors on Your Behalf
CG 22 95-Exclusion-Damage to Work Performed By Subcontractors on Your Behalf-Designated Sites or Operations
CG 22 96-Limited Exclusion-Personal and Advertising Injury-Lawyers
CG 22 97-Pharmacists-Broadened Coverage
CG 22 98-Exclusion-Internet Service Providers and Internet Access Providers Errors and Omissions
CG 22 99-Professional Liability Exclusion-Web-Site Designers
CG 23 01-Exclusion-Real Estate Agents or Brokers Errors or Omissions
CG 23 02-Exclusion - Professional Services - Pharmacists
CG 23 02-Exclusion - Professional Services - Optical and Hearing Aid Establishments
CG 24 01-Non-Binding Arbitration
CG 24 02-Binding Arbitration
CG 24 03-Waiver of Charitable Immunity
CG 24 04-Waiver of Transfer of Rights of Recovery Against Others to Us
CG 24 05-Financial Institutions-Fiduciary Interest Only
CG 24 06-Liquor Liability-Bring Your Own Alcohol Establishments
CG 24 07-Products/Completed Operations Hazard Redefined
CG 24 08-Liquor Liability
CG 24 09-Governmental Subdivisions
CG 24 10-Excess Provision-Vendors
CG 24 11-Fiduciaries-Fiduciary Interest
CG 24 12-Boats
CG 24 13-Amendment of Personal and Advertising Injury Definition
CG 24 14-Waiver of Governmental Immunity
CG 24 15-Limited Pollution Liability Extension Endorsement
CG 24 16-Canoes or Rowboats
CG 24 17-Contractual Liability-Railroads
CG 24 18-Seed Merchants-Coverage for Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate
CG 24 19-Seed Merchants-Coverage for Erroneous Delivery or Mixture (Resulting Failure of Seed to Germinate Not Included)
CG 24 20-Seed Merchants-Coverage for Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate
CG 24 21-Seed Merchants-Coverage for Erroneous Delivery or Mixture (Resulting Failure of Seed to Germinate Not Included)
CG 24 22-Amendment of Coverage Territory-Worldwide Coverage
CG 24 23-Amendment of Coverage Territory-Additional Scheduled Countries
CG 24 24-Amendment of Coverage Territory-Worldwide Coverage with Specified Exceptions
CG 24 25-Limited Fungi or Bacteria Coverage
CG 24 26-Amendment of Insured Contract Definition
CG 24 27-Limited Contractual Liability-Railroads
CG 24 50-Limited Coverage for Designated Unmanned Aircraft
CG 24 51-Limited Coverage for Designated Unmanned Aircraft (Coverage A Only)
CG 24 52-Limited Coverage for Designated Unmanned Aircraft (Coverage B Only)
CG 24 53-Waiver of Transfer of Rights of Recovery Against Others to Us - Automatic
CG 24 54-Automatic Insured Status for Newly Acquired or Formed Limited Liability Companies
CG 25 46-Designated Location(s) Aggregate Limit
CG 25 47-Designated Project(s) Aggregate Limit
CG 25 48-Designated Location(s) Aggregate Limit
CG 25 02-Amendment of Limits of Insurance
CG 25 03-Designated Construction Project(s) General Aggregate Limit
CG 25 04-Designated Location(s) General Aggregate Limit
CG 25 14-Designated Location(s) Aggregate Limit
CG 25 45-Designated Project(s) Aggregate Limit
CG 25 46-Designated Location(s) Aggregate Limit
CG 27 02-Exclusion of Specific Accidents, Products, Work, or Location
CG 27 03-Amendment of Section V-Extended Reporting Periods for Specific Accidents, Products, Work, or Location
CG 27 05-Exclusion of Specific Accidents, Products, Work, or Location
CG 27 10-Supplemental Extended Reporting Period Endorsement
CG 27 11-Supplemental Extended Reporting Period Endorsement for Specific Accidents, Products, Work, or Locations
CG 27 15-Extended Reporting Period Endorsement for Employee Benefits Liability Coverage
CG 34 01-Additional Insured-Managers or Lessors of Premises-Liquor Liability
CG 34 02-Additional Insured-Grantor of Franchise - Liquor Liability
CG 34 03-Additional Insured-State or Governmental Agency or Subdivision or Political Subdivision-Permits or Authorizations - Liquor Liability
CG 34 04-Additional Insured-Sponsor(s) - Liquor Liability
CG 40 01-Genetically Modified Organism Exclusion
CG 40 02-Genetically Modified Organism Exclusion for Designated Operations or Products
CG 40 03-Exclusion - Athletic or Sports Participant - All Contests or Exhibitions
CG 40 04-Exclusion - Earth Movement
CG 40 05-Exclusion - Earth Movement - Completed Operations
CG 40 06-Earth Movement - Exclusion for Designated Operation(s) or Project(s)
CG 40 07-Exclusion-Designated Operations Covered by a Controlled (Wrap-Up) Insurance Program - Limited Exception for Additional Insureds
CG 40 08-Limited Exclusion-Designated Operations Covered By a Controlled (Wrap-Up) Insurance Program - Limited Exception for Additional Insureds
CG 40 09-Amendment of Liquor Liability Exclusion - Limited Exception for Bring Your own Alcohol
CG 40 10-Exclusion - Cross Suits Liability
CG 40 11-Exclusion - Hired Auto Liability
CG 40 12-Exclusion - All Hazards in Connection with an Electronic Smoking Device, Its Vapor, Component Parts, Equipment and Accessories
CG 40 13-Exclusion - All Health Hazards, Electronic Smoking Device Vapor
CG 40 14-Cannabis Exclusion
CG 40 15-Cannabis Exclusion with Hemp Exception
CG 40 16-Cannabis Exclusion with Hemp and Lessors Risk Exceptions
CG 99 09-Premium Audit Noncompliance Charge

What Are The Commercial Auto Insurance Endorsements?

This list identifies endorsements by form number and title available to modify or attach to the Insurance Services Office (ISO) Business Auto Coverage Form. It does not include forms or endorsements that apply to other ISO coverage forms or policies, or any state specific endorsements, changes or amendments:

CA 01 21-Limited Mexico Coverage
CA 02 38-Reinstatement of Insurance
CA 02 40-Suspension of Insurance
CA 03 01-Deductible Liability Coverage
CA 03 02-Deductible Liability Coverage
CA 04 42-Exclusion of Federal Employees Using Autos in Government Business
CA 04 44-Waiver of Transfer of Rights of Recovery Against Others to Us (Waiver of Subrogation)
CA 04 45-Golf Cars and Low-Speed Vehicles
CA 04 40-Primary and Noncontributory - Other Insurance Condition
CA 20 01-Lessor-Additional Insured and Loss Payee
CA 20 02-Audio, Visual and Data Electronic Equipment Coverage-Fire, Police and Emergency Vehicles
CA 20 05-Drive-Away Contractors
CA 20 06-Driving Schools-Non-Owned Autos
CA 20 07-Emergency Services-Fellow Volunteer Firefighters and Workers Injuries Limited Exclusion
CA 20 08-Farm Tractors and Farm Tractors Equipment
CA 20 09-Leasing or Rental Concerns-Contingent Coverage
CA 20 10-Leasing or Rental Concerns-Conversion, Embezzlement Or Secretion Coverage
CA 20 11-Leasing or Rental Concerns-Exclusion of Certain Leased Autos
CA 20 12-Leasing or Rental Concerns-Rent-It-There/Leave-It-Here Autos
CA 20 13-Leasing or Rental Concerns-Schedule of Limits for Owned Autos
CA 20 14-Leasing or Rental Concerns-Second Level Coverage
CA 20 15-Mobile Equipment
CA 20 16-Mobile Homes Contents Coverage
CA 20 17-Mobile Homes Contents Not Covered
CA 20 18-Professional Services Not Covered
CA 20 19-Repossessed Autos
CA 20 21-Snowmobiles
CA 20 27-Registration Plates Not Issued For a Specific Auto
CA 20 30-Emergency Services-Volunteer Firefighters and Workers Injuries Excluded
CA 20 33-Autos Leased, Hired, Rented, or Borrowed With Drivers-Physical Damage Coverage
CA 20 48-Designated Insured
CA 20 54-Employee Hired Autos
CA 20 55-Fellow Employee Coverage
CA 20 56-Fellow Employee Exclusions for Designated Employees/Positions
CA 20 70-Coverage for Certain Operations In Connection With Railroads
CA 20 71-Auto Loan/Lease Gap Coverage
CA 20 78-Physical Damage Coverage-Autos Held for Sale by Non-Dealers
CA 21 02-Split Bodily Injury Uninsured Motorists Coverage Limits
CA 21 07-Split Uninsured Motorists Coverage Limits
CA 21 46-Split Underinsured Motorists Coverage Limits
CA 21 51-Split Underinsured Motorists Coverage Limits
CA 23 01-Explosives
CA 23 03-Multi-Purpose Equipment
CA 23 04-Rolling Stores
CA 23 05-Wrong Delivery of Liquid Products
CA 23 08-Truckers-Excess Coverage for the Named Insured and Named Lessors for Leased Autos
CA 23 09-Truckers-Insurance for Non-Trucking Use
CA 23 12-Truckers-Named Lessee as Insured
CA 23 17-Truckers-Uniform Intermodal Interchange Endorsement Form UIIE-1
CA 23 24-Agricultural Produce Trailers-Seasonal
CA 23 25-Coverage for Injury to Leased Workers
CA 23 30-Motor Carrier Endorsements
CA 23 44-Public or Livery Passenger Conveyance Exclusion
CA 23 45-Public or Livery Passenger Conveyance and On-Demand Delivery Services
CA 23 84-Exclusion of Terrorism
CA 23 85-Exclusion of Terrorism Involving Nuclear, Biological or Chemical Terrorism
CA 23 94-Silica or Silica-Related Dust Exclusion for Covered Autos Exposure
CA 23 97-Amphibious Vehicles
CA 23 98-Trailer Interchange Coverage
CA 24 01-Transportation of Seasonal Or Migrant Agricultural Worker
CA 24 02-Public Transportation Autos
CA 26 01-Single Interest Automobile Physical Damage Insurance Policy (Individual Policy Form)
CA 26 02-Single Interest Automobile Physical Damage Insurance Policy (Finance Master Policy Form)
CA 26 04-Amendment of Single Interest Policy Provisions - Public or Livery Passenger Conveyance and On-Demand Delivery Services Exclusion
CA 26 05-Single Interest Deductibles
CA 99 03-Auto Medical Payments Coverage
CA 99 10-Drive Other Car Coverage-Broadened Coverage for Named Individuals
CA 99 13-Fiduciary Liability of Banks
CA 99 14-Fire, Fire and Theft, Fire, Theft and Windstorm and Limited Specified Causes of Loss Coverages
CA 99 15-Governmental Bodies Amendatory Endorsement
CA 99 16-Hired Autos Specified As Covered Autos You Own
CA 99 17-Individual Named Insured
CA 99 23-Rental Reimbursement Coverage
CA 99 27-Split Liability Limits
CA 99 28-Stated Amount Insurance
CA 99 30-Tapes, Records and Discs Coverage
CA 99 33-Employees as Insureds
CA 99 34-Social Service Agencies-Volunteers as Insureds
CA 99 37-Garagekeepers Coverage
CA 99 40-Exclusion or Excess Coverage Hazards Otherwise Insured
CA 99 44-Loss Payable Clause
CA 99 47-Employee as Lessor
CA 99 48-Pollution Liability-Broadened Coverage for Covered Autos-Business Auto and Motor Carrier Coverage Forms
CA 99 54-Covered Auto Designation Symbol
CA 99 59-Garagekeepers Coverage-Customers' Sound Receiving Equipment
CA 99 60-Audio, Visual and Data Electronic Equipment Coverage Added Limits
CA 99 61-Loss Payable Clause-Audio, Visual and Data Electronic Equipment Added Limits
CA 99 90-Optional Limits-Loss of Use Expenses

What Are Commercial Insurance Endorsements? - The Bottom Line

What are commercial insurance endorsements? Today, there are many different endorsements that can end up on an insurance policy. That does not even take into account several tailor-made endorsements that companies need to write for a specific type of client.

As a business owner or a skilled professional who is holding the policy, you must know about each of these endorsements to understand your coverage parameters.

Additional Commercial Insurance Endorsements Information

Learn about small business commercial endorsements that add, remove, or change your policy's coverage by altering the standardized coverage form.

Commercial insurance endorsements are additional provisions or clauses added to a business insurance policy that either expand or restrict coverage. They are used to tailor the policy to the specific needs of the business and can cover a wide range of risks, including property damage, liability, and business interruption.

There are several types of commercial insurance endorsements, including:

Coverage Endorsements: These endorsements add coverage to the policy, such as increased liability limits or coverage for specific types of property damage.
Exclusion Endorsements: These endorsements remove coverage from the policy, such as excluding coverage for specific types of losses or risks.
Amendment Endorsements: These endorsements modify the terms of the policy, such as changing the policy limits or the type of coverage provided.
Waiver of Subrogation Endorsements: These endorsements waive the insurer's right to pursue subrogation (seeking reimbursement from a third party) in the event of a loss, which can be beneficial for businesses with complex supply chains.

There are many types of commercial insurance endorsements - and while some favor the insurer (by excluding coverage) and some benefit the insured (by adding coverage), below is a list of some of the most common uses for business insurance endorsements:

Additional Insured: This is one of the most common endorsements that adds someone other than you to your insurance policy. It is typically required by some sort of contract. Common additional insureds are landlords, general contractors, vendors or customers.
Administrative Changes: Newly issued policies can include mistypes, misspellings, or missing words altogether. To correct these errors, the insurer would add an endorsement, rather then having to cancel and issue a new policy. If a policyholder changes their name, an endorsement would reflect that too.
Changing Or Adding Addresses: This endorsement covers any change to the insured's property like moving your office to a new location, or expanding to a another location.
Deductible Changes: This endorsement manages who can change your deductible as well as when and how much it can be changed.
Increased Limits: Occasionally companies need to add endorsements to increase the limits of insurance. For example, you'd use an endorsement to extend workers' compensation benefits not covered by state law. Or, to get a contract you need higher limits on your general liability policy.

Commercial insurance endorsements are an important tool for businesses to ensure they have the coverage they need to protect their assets and operations. It is important for businesses to carefully review and understand their endorsements to ensure they have the appropriate level of coverage for their specific needs.

Making a policy change usually affects your insurance premium. Anytime coverage is altered there is likely a cost associated with how the policy premium is calculated. Adding coverage usually makes the premium increase, while excluding coverage can reduce the premium you pay.

Types Of Small Business Insurance - Requirements & Regulations

Perhaps you have the next great idea for a product or service that you know will appeal to your local area. If you've got a business, you've got risks. Unexpected events and lawsuits can wipe out a business quickly, wasting all the time and money you've invested.

Operating a business is challenging enough without having to worry about suffering a significant financial loss due to unforeseen and unplanned circumstances. Small business insurance can protect your company from some of the more common losses experienced by business owners, such as property damage, business interruption, theft, liability, and employee injury.

Purchasing the appropriate commercial insurance coverage can make the difference between going out of business after a loss or recovering with minimal business interruption and financial impairment to your company's operations.

Small business insurance is a type of insurance that is specifically designed for small businesses. It helps protect a business from various types of risks and losses that it may face, such as property damage, liability, and financial losses.

It is important for small business owners to carefully consider their insurance needs and choose policies that are appropriate for their business.

Insurance is so important to proper business function that both federal governments and state governments require companies to carry certain types. Thus, being properly insured also helps you protect your company by protecting it from government fines and penalties.

Small Business Insurance Information

In the business world, there are many risks faced by company's every day. The best way that business owners can protect themselves from these perils is by carrying the right insurance coverage.

The The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.

Commercial insurance is particularly important for small business owners, as they stand to lose a lot more. Should a situation arise - a lawsuit, property damage, theft, etc. - small business owners could end up facing serious financial turmoil.

According to the SBA, having the right insurance plan in place can help you avoid major pitfalls. Your business insurance should offer coverage for all of your assets. It should also include liability and casual coverage.

Types Of Small Business Insurance

Choosing the right type of coverage is absolutely vital. You've got plenty of options. Some you'll need. Some you won't. You should know what's available. Once you look over your options you'll need to conduct a thorough risk assessment. As you evaluate each type of insurance, ask yourself:

What type of business am I running?
What are common risks associated with this industry?
Does this type of insurance cover a situation that could feasibly arise during the normal course of doing business?
Does my state require me to carry this type of insurance?
Does my lender or do any of my investors require me to carry this type of policy?

A licensed insurance agent or broker in your state can help you determine what kinds of coverages are prudent for your business types. If you find one licensed to sell multiple policies from multiple companies (independent agents) that person can often help you get the best insurance rates, too. Following is some information on some of the most common small business insurance policies:

Business Insurance Policy Type	What Is Covered?
General Liability Insurance	What is covered under commercial general liability insurance? It steps in to pay claims when you lose a lawsuit with an injured customer, employee, or vendor. The injury could be physical, or it could be a financial loss based on advertising practices.
Workers Compensation Insurance	What is covered under workers compensation insurance? This type of insurance protects a business and its owner(s) from claims by employees who suffer a work-related injury, illness or disease. Workers comp typically provides the injured employee with benefits to cover medical expenses, a portion of his/her lost wages, rehabilitation costs if applicable, and permanent partial or permanent total disability.
Product Liability Insurance	What is covered under product liability insurance? I pays an injured party's settlement or lawsuit claim arising from a defective product. These are usually caused by design defects, manufacturing defects, or a failure to provide adequate warning or instructions as to how to safely use the product.
Commercial Property Insurance	What is covered under business property insurance? General liability policies don't cover damages to your business property. That's what commercial property insurance is for. It protects all of the physical parts of your business: your building, your inventory, and your equipment, giving you the funds you need to replace them in the event of a disaster. If you work from home, you might consider a Home Based Business Insurance policy instead.
Business Owners Policy (BOP)	What is covered under a business owners policy (BOP)? This is a policy designed for small, low-risk businesses. It simplifies the basic insurance purchase process by combining general liability policies with business income and commercial property insurance.
Commercial Auto Insurance	What is covered under business auto insurance? This type of insurance covers automobiles being used for business purposes. This could include a fleet of business-only vehicles or a single company car. In some cases it might cover your car or your employee's car while they're being used for business. These policies have much higher limits, ensuring you can cover your costs if one of these vehicles gets into an accident.
Commercial Umbrella Policies	What is covered under commercial umbrella insurance? This type of policy is a sort of "gap" insurance. It covers your liability in the event that a court verdict or settlement exceeds your general liability policy limits.
Liquor Liability Insurance	What is covered under liquor liability insurance? It covers bodily injury or property damage caused by an intoxicated person who was served liquor by the policy holder.
Professional Liability (Errors & Omissions)	What is covered under professional liability insurance? This type of business insurance is also known as malpractice oe E&O. It covers the damages that can arise from major mistakes, especially in high-stakes professions where mistakes can be devastating.
Surety Bond	What is covered under surety bonds? Bonding is a contract where one party, the SURETY (who assures the obligee that the principal can perform the task), guarantees the performance of certain obligations of a second party, the PRINCIPAL (the contractor or business who will perform the contractual obligation), to a third party, the OBLIGEE (the project owner who is the recipient of an obligation).

Who Needs General Liability Insurance? - Virtually every business. A single lawsuit or settlement could bankrupt your business five times over. You might also need this policy to win business. Many companies and government agencies won't do business with your company until you can produce proof that you've obtained one of these policies.

Business Insurance Required by Law

If you have any employees most states will require you to carry worker's compensation and unemployment insurance. Some states require you to insure yourself even if you are the only employee working in the business.

Your insurance agent can help you check applicable state laws so you can bring your business into compliance.

Other Types Of Small Business Insurance

There are dozens of other, more specialized forms of small business insurance capable of covering specific problems and risks. These forms of insurance include:

Business Interruption Insurance
Commercial Flood Insurance
Contractor's Insurance
Cyber Liability
Data Breach
Directors and Officers
Employment Practices Liability
Environmental or Pollution Liability
Management Liability
Sexual Misconduct Liability

Whether you need any or all of these policies will depend on the results of your risk assessment. For example, you probably don't need an environmental or pollution policy if you're running an IT company out of a leased office, but you would need data breach and cyber liability policies to fully protect your business.

Also learn about small business insurance requirements for general liability, business property, commercial auto & workers compensation including small business commercial insurance costs. Call us (855) 767-7828.

What Are Commercial Insurance Endorsements?