Paving & Road Contractors Insurance

Definition: This paving insurance coverage may be used from General Contractor down to the insured. Blanket additional insured endorsements:  XIL  2010 & XIL 2037 are proprietary forms with the equivalent language to the CG2010 & CG2037 07/04 & 10/01 edition dates

Claim Example: There is a contract in place between the general contractor and the subcontractor which requires the general contractor to be included on the subcontractor’s insurance policy as an additional insured regardless of fault.  There is a loss in which the GC was 100% at fault.  If the correct edition is not used, the subcontractor’s general liability policy may not provide coverage as required.

Scenario 1: The subcontractor includes the general contractor as an additional insured on their general liability policy via ISO endorsements CG 2010 and CG 2037 10/01.  In this scenario, the subcontractor’s general liability policy will pay the entire loss since the 10/01 endorsement editions do not require there to be fault.

Scenario 2: The subcontractor includes the general contractor as an additional insured on their general liability policy via ISO endorsements CG 2010 and CG 2037 07/04.  In this scenario, the subcontractor would have to pay the loss out of pocket depending on the language found in the contract.  The 07/04 endorsement edition dates would not provide coverage under the general liability policy for the subcontractor because they were not at fault or partially at fault.

Description: General liability coverage that buys back a small portion of pollution exclusion.

Claim Example: A hydraulic hose on an aerial lift bursts and spills over a client’s driveway. The cost for damage to the driveway is covered in this scenario.

Description: Provides coverage for damages caused by chemicals that leak from your auto which are not ordinarily covered by the standard ISO auto offering.

Claim Example: A company truck is involved in an accident and overturns, spilling pollutants over the road and possibly into the local water system (nearby pond, sewer, etc.). The damage to the water supply, loss of chemicals, and cleanup is covered in this scenario.