Limitation Of Coverage To Designated Premises Or Project
RESTRICTS coverage to a specific project — make sure your project is the listed one.
What it actually does
CG 21 44 limits the entire CGL policy to coverage for designated premises or a designated project. Outside the listed premises or project, the policy simply doesn't respond.
This endorsement is typically used when a sub buys a project-specific policy (a wrap-companion or single-project policy) that isn't their general practice CGL. If your project is the designated one, fine. If not, the policy is useless to you.
When you see CG 21 44, your only real question is: does the schedule list YOUR project or premises? If yes, proceed and confirm the AI/waiver endorsements reference the same project. If no, the policy doesn't cover work for you and you need a different policy or a different sub. It is easy to miss this form and wrongly assume a sub's coverage is general when it's actually fenced to one site.
Verification checklist
- 01Read the schedule carefully — confirm your specific project name and location is listed.
- 02If your project isn't listed, request a different policy or a CG 21 44 amendment.
- 03Verify the AI and waiver endorsements also reference the listed project, not a generic one.
Common mistakes
- ·Not noticing CG 21 44 at all and assuming the policy covers the sub's work everywhere.
- ·Reading the schedule too quickly and missing that the listed project doesn't match.
Frequently asked questions
Is CG 21 44 a coverage restriction?
Yes. It limits the whole CGL policy to a designated project or premises. If your project isn't the one listed, the policy provides you no coverage.
What should I check when I see CG 21 44?
Confirm the schedule names your exact project/location, and that the additional-insured and waiver endorsements reference that same project rather than a generic description.
Why would a sub have CG 21 44?
It's common on project-specific or wrap-companion policies. It's a flag to verify the policy actually applies to your job before you rely on it.
Checking a COI for CG 21 44?
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Check a COI for CG 21 44 →Related endorsements
This page explains CG 21 44 in plain English for COI verification. It is informational only and is not legal or insurance advice — confirm the actual endorsement language and have your counsel or insurance agent review your specific requirements.