Employee Benefits Liability Coverage
Adds coverage for errors in administering employee benefit programs — usually irrelevant to sub COIs.
What it actually does
CG 04 35 adds Employee Benefits Liability (EBL) coverage to the CGL. EBL covers errors and omissions in administering employee benefit programs — for example, a payroll mistake that causes someone to lose health coverage, or a failure to enroll an eligible employee.
This is rarely relevant to construction subcontract verification. It's mentioned here mostly because it shows up on COIs and reviewers sometimes flag it as an unfamiliar code. For most GC compliance reviews, you can note its presence and move on — it doesn't substitute for AI status, waivers, or completed-ops coverage.
Verification checklist
- 01Note the presence of CG 04 35 but don't treat it as a compliance requirement unless your subcontract specifically asks for it.
- 02Confirm core construction endorsements (CG 20 10/37/38, CG 24 04, WC waiver) are present regardless.
Common mistakes
- ·Treating CG 04 35 as fulfilling AI or contractual liability requirements (it does neither).
- ·Flagging CG 04 35 as a problem when it's just orthogonal coverage.
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