COI Endorsement Decoder

Additional Insured — Owners, Lessees or Contractors — Scheduled Person Or Organization

Adds the GC or owner as an additional insured on the sub's CGL — for ongoing operations only.

Additional Insured — Designated Person Or Organization

Broader additional-insured form than CG 20 10 — covers acts of either party, not just ongoing operations.

Additional Insured — Owners, Lessees Or Contractors — Automatic Status When Required In Construction Agreement With You

Automatic AI status when the subcontract requires it — no schedule needed, but limited to ongoing operations.

Additional Insured — Owners, Lessees or Contractors — Completed Operations

The completed-operations companion to CG 20 10 — extends AI status to liability arising after work is finished.

Additional Insured — Owners, Lessees or Contractors — Automatic Status For Other Parties When Required In Written Construction Agreement

Automatic AI status including completed operations — the bundled equivalent of CG 20 33 + CG 20 37.

Waiver Of Transfer Of Rights Of Recovery Against Others To Us

Waiver of subrogation — the sub's insurer agrees not to come after the GC after paying a claim.

Contractual Liability Limitation

RESTRICTS CGL contractual-liability coverage — a red flag, not a benefit. Watch for it.

Waiver Of Our Right To Recover From Others Endorsement

Workers' comp waiver of subrogation — the sub's WC carrier agrees not to pursue the GC after paying an injured worker.

Designated Construction Project(s) General Aggregate Limit

Per-project aggregate — protects you from limit erosion by claims on the sub's other jobs.

Employee Benefits Liability Coverage

Adds coverage for errors in administering employee benefit programs — usually irrelevant to sub COIs.

Limitation Of Coverage To Designated Premises Or Project

RESTRICTS coverage to a specific project — make sure your project is the listed one.

Total Pollution Exclusion Endorsement

Excludes ALL pollution claims — important for environmental/abatement subs.