Designated Construction Project(s) General Aggregate Limit
Per-project aggregate — protects you from limit erosion by claims on the sub's other jobs.
What it actually does
CG 25 03 establishes a separate general aggregate limit *per construction project*. Without it, a sub's policy aggregate is shared across all of that sub's jobs — meaning if Job A has a $1M claim, the aggregate left for your Job B is $1M less.
With a per-project aggregate, each designated project gets its own dedicated general aggregate. This is critical on long-running or high-risk projects where you want certainty that limit erosion on someone else's job won't drain coverage you're relying on.
Many subcontracts on commercial projects ($5M+) require per-project aggregates explicitly. The endorsement schedules each project; verify your project is listed. Note that CG 25 03 covers designated *projects*, which is different from CG 25 04's designated *locations*.
Verification checklist
- 01Confirm the schedule includes your specific project name and address.
- 02Verify per-project aggregate limits meet subcontract requirements (often equal to the per-occurrence limit).
- 03Check that the sub's broker hasn't substituted a 'designated location' aggregate (CG 25 04) when 'designated project' is required.
- 04Confirm coverage continues through the products-completed-operations period.
Common mistakes
- ·Confusing per-location aggregate (CG 25 04) with per-project aggregate (CG 25 03).
- ·Skipping the aggregate review when the sub's general aggregate looks high — the question is what's left after their other projects.
- ·Missing that CG 25 03 may require a separate completed-ops endorsement to extend the per-project treatment past completion.
Frequently asked questions
Why require a per-project aggregate?
A standard CGL aggregate is shared across all the sub's jobs. A claim on another project can erode the limit you're counting on. CG 25 03 gives your project its own dedicated aggregate.
What's the difference between CG 25 03 and CG 25 04?
CG 25 03 sets a separate aggregate per designated construction project; CG 25 04 sets one per designated location/premises. Construction subcontracts usually want the per-project form (CG 25 03).
Does CG 25 03 increase the sub's limits?
It doesn't raise the per-occurrence limit; it dedicates a full general aggregate to your project so it can't be drained by claims elsewhere.
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This page explains CG 25 03 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.