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Commercial General Liability

The Hanover’s suite of General Liability broadening coverage offerings is designed to help fully protect your Commercial Package Property (CPP) and Monoline General Liability clients against costly damage, injury and suits brought against them.

Coverage Description

General Liability broadening coverages are issued as a suite of coverages. When you elect to include General Liability broadening coverages as a part of your client’s insurance solution, the suite of broadening coverages will always consist of two endorsements:

  • Base Broadening Endorsement –Includes 13 coverages and enhancements common across all industries, such as Knowledge of Occurrence, Liberalization Clause and Unintentional Failure to Notify.
  • Enhancement Endorsement – Industry-specific or general enhancement endorsement further enhances the base broadening endorsement to meet challenging exposures.

Endorsements

Commercial General Liability Broadening Endorsements (General)

CGL Broadening Endorsement 421-2915

CGL Enhancement Endorsement 421-2916

Coverage

Limits

Coverage

Limits

Additional Insured by Contract, Agreement or Permit

Included

Additional Insured — Broad Form Vendors

Included

Additional Insured – Primary  and Non–Contributory

Included

Aggregate Limit Per Location

Included

Blanket Waiver of Subrogation

Included

Alienated Premises

Included

Bodily Injury Redefined

Included

Broad Form Named Insured

Included

Broad Form Property Damage — Borrowed Equipment, Customers Goods & Use of Elevators

Included

Extended Property Damage

Included

Knowledge of Occurrence

Included

Incidental Malpractice (Employed Nurses, EMTs & Paramedics)

Included

Liberalization Clause

Included

Mobile Equipment Redefined

Included

Medical Payments – Increased Reporting Period

Included

Personal Injury — Broad Form

Included

Newly Acquired or Formed Organizations — Covered until end of policy period

Included

Product Recall Expense
– Occurrence
– Aggregate
– Deductible


$25,000 $50,000
$500

Non-Owned Watercraft

51 feet

Property Damage Legal Liability – Broad Form
– Fire, Lightning, Explosion, Smoke and Leakage from Fire Protection Systems Damage Limit

$1,000,000

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

 



Amateur Sports General Liability Broadening Endorsements

CGL Broadening Endorsement 421-2915

CGL Enhancement Endorsement –
Amateur Sports 421-2917

Coverage

Limits

Coverage

Limits

Additional Insured by Contract, Agreement or Permit

Included

Additional Insured — Sponsors

Included

Additional Insured – Primary  and Non–Contributory

Included

Additional Insured – Subcontractor – Aerobic Instructors, Massage Therapists, and Personal Trainers

Included

Blanket Waiver of Subrogation

Included

Aggregate Limit Per Location

Included

Bodily Injury Redefined

Included

Alienated Premises

Included

Broad Form Property Damage — Borrowed Equipment, Customers Goods & Use of Elevators

Included

Broad Form Named Insured

Included

Knowledge of Occurrence

Included

Incidental Malpractice (Employed Nurses, EMTs & Paramedics)

Included

Liberalization Clause

Included

Personal Injury — Broad Form

Included

Medical Payments – Increased Reporting Period

Included

Property Damage Legal Liability – Broad Form
– Fire, Lightning, Explosion, Smoke and Leakage from Fire Protection Systems Damage Limit

$1,000,000

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

 



Contractors General Liability Broadening Endorsements

CGL Broadening Endorsement 421-2915

CGL Enhancement Endorsement –
Contractors 421-2918

Coverage

Limits

Coverage

Limits

Additional Insured by Contract, Agreement or Permit

Included

Aggregate Limit per Project

Included

Additional Insured – Primary  and Non–Contributory

Included

Alienated Premises

Included

Blanket Waiver of Subrogation

Included

Broad Form Named Insured

Included

Bodily Injury Redefined

Included

Contractual Liability – Railroads

Included

Broad Form Property Damage — Borrowed Equipment, Customers Goods & Use of Elevators

Included

Extended Property Damage

Included

Knowledge of Occurrence

Included

Incidental Malpractice (Employed Nurses, EMTs & Paramedics)

Included

Liberalization Clause

Included

Mobile Equipment Redefined

Included

Medical Payments – Increased Reporting Period

Included

Personal Injury — Broad Form

Included

Newly Acquired or Formed Organizations — Covered until end of policy period

Included

Property Damage Legal Liability – Broad Form
– Fire, Lightning, Explosion, Smoke and Leakage from Fire Protection Systems Damage Limit

$1,000,000

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

 



Educational Institutions Commercial General Liability Broadening Endorsements

CGL Broadening Endorsement 421-2915

CGL Enhancement Endorsement –
Educational Institutions 421-2925

Coverage

Limits

Coverage

Limits

Additional Insured by Contract, Agreement or Permit

Included

Additional Insured — Broad Form Vendors

Included

Additional Insured – Primary  and Non–Contributory

Included

Additional Insured – Board Members, Trustees, Student Teachers, Safety Patrol and Approved Groups

Included

Blanket Waiver of Subrogation

Included

Aggregate Limit Per Location

Included

Bodily Injury Redefined

Included

Aircraft, Auto or Watercraft Amendments

Included

Broad Form Property Damage — Borrowed Equipment, Customers Goods & Use of Elevators

Included

Broad Form Named Insured

Included

Knowledge of Occurrence

Included

Broadcasting & Publication – Personal and Advertising Injury

Included

Liberalization Clause

Included

Clinic or Hospital Exclusion

Included

Medical Payments – Increased Reporting Period

Included

Medical Payments for Students Exclusion

Included

Newly Acquired or Formed Organizations — Covered until end of policy period

Included

Mobile Equipment Redefined

Included

Non-Owned Watercraft

51 feet

Personal Injury — Broad Form

Included

Supplementary Payments Increased Limits
– Bail Bonds
– Loss of Earnings per day

 

$2,500
$1,000

Personal Injury – Televised or Videotaped Publication

Included

Unintentional Failure to Disclose Hazards

Included

Property Damage Legal Liability – Broad Form
– Fire, Lightning, Explosion, Smoke and Leakage from Fire Protection Systems Damage Limit

$1,000,000

 

Unintentional Failure to Notify

Included

Who Is An Insured Extension –
Co-employees and Volunteer Workers

Included



Financial Institutions General Liability Broadening Endorsements

CGL Broadening Endorsement 421-2915

CGL Enhancement Endorsement –
Financial Institutions 421-5007

Coverage

Limits

Coverage

Limits

Additional Insured by Contract, Agreement or Permit

Included

Additional Insured – Controlling Interest

Included

Additional Insured – Primary  and Non–Contributory

Included

Additional Insured – Employee and Volunteer Worker Broadened Bodily Injury Coverage

Included

Blanket Waiver of Subrogation

Included

Aggregate Limit per Location

Included

Bodily Injury Redefined

Included

Aircraft – Non-owned, Hired, Chartered or Loaned With Paid Crew

Included

Broad Form Property Damage — Borrowed Equipment, Customers Goods & Use of Elevators

Included

Alienated Premises

Included

Knowledge of Occurrence

Included

Broad Form Named Insured

Included

Liberalization Clause

Included

Extended Property Damage

Included

Medical Payments – Increased Reporting Period

Included

Incidental Malpractice (Employed nurses, EMT’s & paramedics)

Included

Newly Acquired or Formed Organizations — Covered until end of policy period

Included

Liability for Conduct of Unnamed Joint Ventures, Partnerships or Limited Liability Companies

Included

Non-Owned Watercraft

51 feet

Mobile Equipment Redefined

Included

Supplementary Payments Increased Limits
– Bail Bonds
– Loss of Earnings per day

 

$2,500
$1,000

Personal Injury – Broad Form

Included

Unintentional Failure to Disclose Hazards

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 Notify

Included

 Repossessed Watercraft

Included
  Supplementary Payments – Additional Limits $1,000
  Supplementary Payments Increased Limits – Bail Bonds $5,000


Health & Fitness General Liability Broadening Endorsements

CGL Broadening Endorsement 421-2915

CGL Enhancement Endorsement –
Health & Fitness 421-2920

Coverage

Limits

Coverage

Limits

Additional Insured by Contract, Agreement or Permit

Included

Additional Insured — Club or Facility Members

Included

Additional Insured – Primary  and Non–Contributory

Included

Additional Insured – Subcontractor – Aerobic Instructors, Massage Therapists, and Personal Trainers

Included

Blanket Waiver of Subrogation

Included

Aggregate Limit Per Location

Included

Bodily Injury Redefined

Included

Alienated Premises

Included

Broad Form Property Damage — Borrowed Equipment, Customers Goods & Use of Elevators

Included

Broad Form Named Insured

Included

Knowledge of Occurrence

Included

Incidental Malpractice (Employed Nurses, EMTs & Paramedics)

Included

Liberalization Clause

Included

Personal Injury — Broad Form

Included

Medical Payments – Increased Reporting Period

Included

Property Damage Legal Liability – Broad Form
– Fire, Lightning, Explosion, Smoke and Leakage from Fire Protection Systems Damage Limit

$1,000,000

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

 



Healthcare General Liability Broadening Endorsements

CGL Broadening Endorsement 421-2915

CGL Enhancement Endorsement –
Healthcare 421-2919

Coverage

Limits

Coverage

Limits

Additional Insured by Contract, Agreement or Permit

Included

Additional Insured - Broad Form Vendors

Included

Additional Insured – Primary  and Non–Contributory

Included

Extended Property Damage

Included

Blanket Waiver of Subrogation

Included

Innocent Party Defense Coverage for Employees

$25,000

Bodily Injury Redefined

Included

Medical Director as Insured

Included

Broad Form Property Damage — Borrowed Equipment, Customers Goods & Use of Elevators

Included

Mobile Equipment Redefined

Included

Knowledge of Occurrence

Included

Personal Injury - Abuse of Process

Included

Liberalization Clause

Included

Property Damage Legal Liability - Broad Form
– Fire, Lightning, Explosion, Smoke and Leakage from Fire Protection Systems Damage Limit

 

$1,000,000

Medical Payments – Increased Reporting Period

Included

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

Newly Acquired or Formed Organizations — Covered until end of policy period

Included

Public Relations Expenses Coverage
– Public Relations Expenses Each Incident Limit
– Public Relations Expenses Aggregate Limit



$10,000

$10,000

Non-Owned Watercraft

51 feet

Theft of Clients' Property
– Clients' Property Aggregate Limit
– Clients' Property Each Occurrence Limit


$50,000

$25,000

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

 



Human Services General Liability Broadening Endorsements

CGL Broadening Endorsement 421-2915

CGL Enhancement Endorsement –
Human Services 421-2921

Coverage

Limits

Coverage

Limits

Additional Insured by Contract, Agreement or Permit

Included

Additional Insured — Broad Form Vendors

Included

Additional Insured – Primary  and Non–Contributory

Included

Aggregate Limit Per Location

Included

Blanket Waiver of Subrogation

Included

Broad Form Named Insured

Included

Bodily Injury Redefined

Included

Extended Property Damage

Included

Broad Form Property Damage — Borrowed Equipment, Customers Goods & Use of Elevators

Included

Innocent Party Defense Coverage for Employees

$25,000

Knowledge of Occurrence

Included

Mobile Equipment Redefined

Included

Liberalization Clause

Included

Personal Injury — Broad Form

Included

Medical Payments – Increased Reporting Period

Included

Product Recall Expense
– Occurrence
– Aggregate
– Deductible


$25,000 $50,000
$500

Newly Acquired or Formed Organizations — Covered until end of policy period

Included

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

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

 



Manufactured Housing General Liability Broadening Endorsements

CGL Broadening Endorsement 421-2915

CGL Enhancement Endorsement –
Manufactured Housing 421-2922

Coverage

Limits

Coverage

Limits

Additional Insured by Contract, Agreement or Permit

Included

Aggregate Limit Per Location

Included

Additional Insured – Primary  and Non–Contributory

Included

Alienated Premises

Included

Blanket Waiver of Subrogation

Included

Broad Form Named Insured

Included

Bodily Injury Redefined

Included

Extended Property Damage

Included

Broad Form Property Damage — Borrowed Equipment, Customers Goods & Use of Elevators

Included

Incidental Malpractice (Employed nurses, EMTs, Paramedics)

Included

Knowledge of Occurrence

Included

Personal Injury - Broad Form

Included

Liberalization Clause

Included

Property Damage Legal Liability - Broad Form
– Fire, Lightning, Explosion, Smoke and Leakage from Fire Protection Systems Damage Limit

$1,000,000

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

 



Real Estate General Liability Broadening Endorsements

CGL Broadening Endorsement 421-2915

CGL Enhancement Endorsement –
Real Estate 421-2924

Coverage

Limits

Coverage

Limits

Additional Insured by Contract, Agreement or Permit

Included

Additional Insured — Broad Form Vendors

Included

Additional Insured – Primary  and Non–Contributory

Included

Aggregate Limit Per Location

Included

Blanket Waiver of Subrogation

Included

Alienated Premises

Included

Bodily Injury Redefined

Included

Broad Form Named Insured

Included

Broad Form Property Damage — Borrowed Equipment, Customers Goods & Use of Elevators

Included

Extended Property Damage

Included

Knowledge of Occurrence

Included

Incidental Malpractice (Employed Nurses, EMTs & Paramedics)

Included

Liberalization Clause

Included

Mobile Equipment Redefined

Included

Medical Payments – Increased Reporting Period

Included

Personal Injury — Broad Form

Included

Newly Acquired or Formed Organizations — Covered until end of policy period

Included

Property Damage Legal Liability – Broad Form
– Fire, Lightning, Explosion, Smoke and Leakage from Fire Protection Systems Damage Limit

$1,000,000

Non-Owned Watercraft

51 feet

Tenants-in-Common as Named Insured

Included

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

 



Religious Institutions General Liability Broadening Endorsements

CGL Broadening Endorsement 421-2915

CGL Enhancement Endorsement –
Religious Institutions 421-2923

Coverage

Limits

Coverage

Limits

Additional Insured by Contract, Agreement or Permit

Included

Accidental Death Benefit

$5,000

Additional Insured – Primary  and Non–Contributory

Included

Additional Insured — Broad Form Vendors

Included

Blanket Waiver of Subrogation

Included

Aggregate Limit Per Location

Included

Bodily Injury Redefined

Included

Amendment to Who Is An Insured – Trustees, Clergy and Members of the Board of Governors

Included

Broad Form Property Damage — Borrowed Equipment, Customers Goods & Use of Elevators

Included

Broad Form Named Insured

Included

Knowledge of Occurrence

Included

Extended Property Damage

Included

Liberalization Clause

Included

Innocent Party Defense Coverage for Employees

$25,000

Medical Payments – Increased Reporting Period

Included

Mobile Equipment Redefined

Included

Newly Acquired or Formed Organizations — Covered until end of policy period

Included

Personal Injury — Broad Form

Included

Non-Owned Watercraft

51 feet

Product Recall Expense
– Occurrence
– Aggregate
– Deductible


$25,000 $50,000
$500

Supplementary Payments Increased Limits
– Bail Bonds
– Loss of Earnings per day

 

$2,500
$1,000

Property Damage Legal Liability – Broad Form
– Fire, Lightning, Explosion, Smoke and Leakage from Fire Protection Systems Damage Limit

$1,000,000

Unintentional Failure to Disclose Hazards

Included

Wage Loss

$5,000

Unintentional Failure to Notify

Included

 



Technology General Liability Broadening Endorsements

CGL Broadening Endorsement 421-2915

CGL Enhancement Endorsement –
Technology 421-2926

Coverage

Limits

Coverage

Limits

Additional Insured by Contract, Agreement or Permit

Included

Additional Insured — Broad Form Vendors

Included

Additional Insured – Primary  and Non–Contributory

Included

Additional Insured – Employee and Volunteer Worker Broadened Bodily Injury Coverage

Included

Blanket Waiver of Subrogation

Included

Aggregate Limit Per Location

Included

Bodily Injury Redefined

Included

Aircraft – Nonowned Hired, Chartered or Loaned with Paid Crew

Included

Broad Form Property Damage — Borrowed Equipment, Customers Goods & Use of Elevators

Included

Alienated Premises

Included

Knowledge of Occurrence

Included

Broad Form Named Insured

Included

Liberalization Clause

Included

Damage to Your Product

$50,000

Medical Payments – Increased Reporting Period

Included

Extended Property Damage

Included

Newly Acquired or Formed Organizations — Covered until end of policy period

Included

Incidental Malpractice (Employed Nurses, EMTs & Paramedics)

Included

Non-Owned Watercraft

51 feet

Mobile Equipment Redefined

Included

Supplementary Payments Increased Limits
– Bail Bonds
– Loss of Earnings per day

 

$2,500
$1,000

Personal Injury — Broad Form

Included

Unintentional Failure to Disclose Hazards

Included

Product Recall Expense
– Occurrence
– Aggregate
– Deductible


$25,000 $50,000
$500

Unintentional Failure to Notify

Included

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.





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