General liability solutions

Explore our general liability broadening endorsement, as well as our general and industry-specific enhancement options, to select the level of coverage that aligns with your client’s business needs.

Commercial general liability broadening endorsement

CGL broadening endorsement 421-2915
Coverage	Limits
Additional insured by contract, agreement or permit	Included
Additional insured — primary and non-contributory	Included
Blanket waiver of subrogation	Included
Bodily injury redefined	Included
Broad form property damage — borrowed equipment, customers goods and use of elevators	Included
Knowledge of occurrence	Included
Liberalization clause	Included
Medical payments — increased reporting period	Included
Newly acquired or formed organizations — covered until end of policy period	Included
Non-owned watercraft	51 feet
Supplementary payments increased limits – Bail bonds – Loss of earnings per day	$2,500 $1,000
Unintentional failure to disclose hazards	Included
Unintentional failure to notify	Included

Our general or industry specific enhancements can be added to the based broadening option to enhance coverage, including:

Commercial general liability enhancement endorsement

CGL enhancement endorsement 421-2916
Coverage	Limits
Additional insured — broad form vendors	Included
Aggregate limit per location	Included
Alienated premises	Included
Broad form named insured	Included
Extended property damage	Included
Incidental malpractice (employed nurses, EMTs and paramedics)	Included
Mobile equipment redefined	Included
Personal injury — broad form	Included
Product recall expense – Occurrence – Aggregate – Deductible	$25,000 $50,000 $500
Property damage legal liability – Broad form – Fire, lightning, explosion, smoke and leakage from fire protection systems damage limit	$1,000,000

Amateur sports general liability broadening endorsement

CGL enhancement endorsement – amateur sports 421-2917
Coverage	Limits
Additional insured — sponsors	Included
Additional insured — subcontractor — aerobic instructors, massage therapists, and personal trainers	Included
Aggregate limit per location	Included
Alienated premises	Included
Broad form named insured	Included
Incidental malpractice (employed nurses, EMTs and paramedics)	Included
Personal injury — broad form	Included
Property damage legal liability – Broad form – Fire, lightning, explosion, smoke and leakage from fire protection systems damage limit	$1,000,000

Contractors general liability broadening endorsement

CGL enhancement endorsement – contractors 421-2918
Coverage	Limits
Aggregate limit per project	Included
Alienated premises	Included
Broad form named insured	Included
Contractual liability — railroads	Included
Extended property damage	Included
Incidental malpractice (employed nurses, EMTs and paramedics)	Included
Mobile equipment redefined	Included
Personal injury — broad form	Included
Property damage legal liability – Broad form – Fire, lightning, explosion, smoke and leakage from fire protection systems damage limit	$1,000,000

Educational institutions commercial general liability broadening endorsement

CGL enhancement endorsement – educational institutions 421-2925
Coverage	Limits
Additional insured — broad form vendors	Included
Additional insured — board members, trustees, student teachers, safety patrol and approved groups	Included
Aggregate limit per location	Included
Aircraft, auto or watercraft amendments	Included
Broad form named insured	Included
Broadcasting and publication — personal and advertising injury	Included
Clinic or hospital exclusion	Included
Medical payments for students exclusion	Included
Mobile equipment redefined	Included
Personal injury — broad form	Included
Personal injury — televised or videotaped publication	Included
Property damage legal liability – Broad form – Fire, lightning, explosion, smoke and leakage from fire protective systems damage limit	$1,000,000
Who is an insured extension — co-employees and volunteer workers	Included

Financial institutions general liability broadening endorsement

CGL enhancement endorsement – financial institutions 421-5007
Coverage	Limits
Additional insured — controlling interest	Included
Additional insured — employee and volunteer worker broadened bodily injury coverage	Included
Aggregate limit per location	Included
Aircraft – non-owned, hired, chartered or loaned with paid crew	Included
Alienated premises	Included
Broad form named insured	Included
Extended property damage	Included
Incidental malpractice (employed nurses, EMT’s and paramedics)	Included
Liability for conduct of unnamed joint ventures, partnerships or limited liability companies	Included
Mobile equipment redefined	Included
Personal injury — broad form	Included
Property damage legal liability – Broad form – Fire, lightning, explosion, smoke and leakage from fire protective systems damage limit	$1,000,000
Repossessed watercraft	Included
Supplementary payments — additional limits	$1,000
Supplementary payments increased limits — bail bonds	$5,000

Health and fitness general liability broadening endorsement

CGL enhancement endorsement – health and fitness 421-2920
Coverage	Limits
Additional insured — club or facility members	Included
Additional insured — subcontractor —aerobic instructors, massage therapists, and personal trainers	Included
Aggregate limit per location	Included
Alienated premises	Included
Broad form named insured	Included
Incidental malpractice (employed nurses, EMTs and paramedics)	Included
Personal injury — broad form	Included
Property damage legal liability – Broad form – Fire, lightning, explosion, smoke and leakage from fire protection systems damage Limit	$1,000,000

Healthcare general liability broadening endorsement

CGL enhancement endorsement – healthcare 421-2919
Coverage	Limits
Additional insured — broad form vendors	Included
Extended property damage	Included
Innocent party defense coverage for employees	$25,000
Medical director as insured	Included
Mobile equipment redefined	Included
Personal injury — abuse of process	Included
Property damage legal liability – Broad form – Fire, lightning, explosion, smoke and leakage from fire protection systems damage limit	$1,000,000
Extended property damage for home health care – Home health care property damage aggregate limit – Home health care property damage each occurrence limit – Home health care property damage deductible	$50,000 $25,000 $500
Public relations expenses coverage – Public relations expenses each incident limit – Public relations expenses aggregate limit	$10,000 $10,000
Theft of clients' property – Clients' property aggregate limit – Clients' property each occurrence limit	$50,000 $25,000

Human services general liability broadening endorsement

CGL enhancement endorsement – human services 421-2921
Coverage	Limits
Additional insured — broad form vendors	Included
Aggregate limit per location	Included
Broad form named insured	Included
Extended property damage	Included
Innocent party defense coverage for employees	$25,000
Mobile equipment redefined	Included
Personal injury — broad form	Included
Product recall expense – Occurrence – Aggregate – Deductible	$25,000 $50,000 $500
Property damage legal liability – Broad form – Fire, lightning, explosion, smoke and leakage from fire protection systems damage limit – Damage caused by “Your client” limit	$1,000,000 $30,000

Life sciences general liability enhancement endorsement

Commercial general liability enhancement endorsement – Life sciences 421-3587*
Coverage	Limits of insurance
Additional insured — broad form vendors	Included
Additional insured — employee and volunteer worker broadened bodily injury coverage	Included
Aggregate limit per location	Included
Aircraft — nonowned hired, chartered or loaned with paid crew	Included
Alienated premises	Included
Broad form named insured	Included
Clinical trial participants — bodily injury to employees or volunteer workers	Included
Damage to your product	$50,000
Employees —  representations, warnings or instructions with respect to products or work	Included
Employees — supervisory positions	Included
Extended property damage	Included
"Health care professional services" definition	n/a
Lessors of leased equipment — blanket additional insured	Included
Liability for conduct of unnamed partnerships or joint ventures	Included
Mobile equipment redefined	Included
Owners, managers or lessors of premises — blanket additional insured	Included
Personal injury — broad form	Included
Product advisors and contract or clinical research organizations — blanket additional insured	Included
Property damage legal liability — broad form - Fire, lightning, explosion, smoke and leakage from fire protective systems damage limit	$1,000,000
Unintentional failure to disclose hazards	Included
Unnamed subsidiaries	Included

* Not available in all states.  

Manufactured housing general liability broadening endorsement

CGL enhancement endorsement – manufactured housing 421-2922
Coverage	Limits
Aggregate limit per location	Included
Alienated premises	Included
Broad form named insured	Included
Extended property damage	Included
Incidental malpractice (employed nurses, EMTs, paramedics)	Included
Personal injury — broad form	Included
Property damage legal liability – Broad form – Fire, lightning, explosion, smoke and leakage from fire protection systems damage limit	$1,000,000

Real estate general liability broadening endorsement

CGL enhancement endorsement – real estate 421-2924
Coverage	Limits
Additional insured — broad form vendors	Included
Aggregate limit per location	Included
Alienated premises	Included
Broad form named insured	Included
Extended property damage	Included
Incidental malpractice (employed nurses, EMTs and paramedics)	Included
Mobile equipment redefined	Included
Personal injury — broad form	Included
Property damage legal liability – Broad form – Fire, lightning, explosion, smoke and leakage from fire protection systems damage limit	$1,000,000
Tenants-in-common as named insured	Included

Religious institutions general liability broadening endorsement

CGL enhancement endorsement – religious institutions 421-2923
Coverage	Limits
Accidental death benefit	$5,000
Additional insured — broad form vendors	Included
Aggregate limit per location	Included
Amendment to who is an insured — trustees, clergy and members of the board of governors	Included
Broad form named insured	Included
Extended property damage	Included
Innocent party defense coverage for employees	$25,000
Mobile equipment redefined	Included
Personal injury — broad form	Included
Product recall expense – Occurrence – Aggregate – Deductible	$25,000 $50,000 $500
Property damage legal liability – Broad form – Fire, lightning, explosion, smoke and leakage from fire protection systems damage limit	$1,000,000
Wage loss	$5,000

Technology general liability broadening endorsement

CGL Enhancement Endorsement – Technology 421-2926
Coverage	Limits
Additional insured — broad form vendors	Included
Additional insured — employee and volunteer worker broadened bodily injury coverage	Included
Aggregate limit per location	Included
Aircraft — non-owned hired, chartered or loaned with paid crew	Included
Alienated premises	Included
Broad form named insured	Included
Damage to your product	$50,000
Extended property damage	Included
Incidental malpractice (employed nurses, EMTs and paramedics)	Included
Mobile equipment redefined	Included
Personal injury — broad form	Included
Product recall expense – Occurrence – Aggregate – Deductible	$25,000 $50,000 $500
Property damage legal liability – Broad form – Fire, lightning, explosion, smoke and leakage from fire protection systems damage limit	$1,000,000

Please note: The Hanover’s general liability coverage does not automatically include a professional services exclusion.