CAPÍTULO II MARCO TEÓRICO
VARIABLE FRECUENCIA PORCENTAJE
2.6.2 Additional Charge
The insurable interests of those listed below may be covered for an additional premium charge.
• State or Political Subdivisions Permit
For an additional charge of 10%, the definition of insured can be amended to include the state or political subdivision described in the endorsement. Coverage applies only with respect to operations performed by or on behalf of the named insured to which the state or subdivision has issued a permit.
Attach Endorsement GL-110.
• State or Political Subdivisions - Premises Permit
The definition of insured can be amended to include the state or political subdivision described in the endorsement. The state or political subdivision is covered for certain defined hazards for which it has issued a permit in connection with the premises owned by, rented to or controlled by the named insured. The hazards insured against are limited to:
a. the existence, maintenance, repair, construction, erection or removal of advertising signs, awnings, canopies, cellar entrances, coal holes, driveways, manholes, marquees, hoistway openings, sidewalk vaults, street banners or decorations and similar exposures;
b. the construction, erection or removal of elevators; and
c. the ownership, maintenance or use of any elevators covered by this policy. Refer to the Company to determine the additional charge.
Attach Endorsement GL-111.
• Grantor of Franchise; Lessor of Leased Equipment; Owners, Lessees or Contractors
The definition of insured can be amended to include one of the following: Grantor of Franchise
Lessor of Leased Equipment Owners, Lessees or Contractors
The additional insured's capacity must be indicated in the endorsement.
A grantor of a franchise is insured only with respect to its liability as a grantor of that franchise. An additional charge of 10% applies.
A lessor of leased equipment is insured only with respect to its liability arising out of the maintenance, operation or use by the named insured of their equipment leased to the named insured. An additional charge of 10% applies.
Owners, lessees or contractors are insured only with respect to their liability arising out of the work of the named insured for such owners, lessees or contractors listed in the endorsement. Refer to the Company to determine the additional charge.
Attach Endorsement GL-112.
• Concessionaires Trading Under Your Name
The definition of insured can be amended to include concessionaires described in the endorsement. (This endorsement can be used to provide coverage for those concessions or activities in a department store that are owned and conducted by others, but which are operated in the department store's name.) Coverage for concessionaires applies only under Coverage N - Products and Completed Work. Refer to the Company to determine the additional charge.
Attach Endorsement GL-845.
• Condominiums
For an additional charge of 10%, the definition of insured can be modified to include each individual condominium unit-owner of the insured. Individual unit- owners are covered for liability arising out of the condominium common areas. Common areas are those parts of the premises not reserved for the exclusive use or occupancy of the individual unit-owner.
Attach Endorsement GL-160.
• Owners, Lessees or Contractors
The definition of insured can be amended to include an owner, lessee or contractor. Coverage is limited to the additional insured's liability arising out of work performed by the named insured and to acts or omissions of the additional insured in connection with the general supervision of the named insured's work. The location of covered operations must be shown on the endorsement. Refer to Company to determine the additional charge.
Attach Endorsement GL-113.
• Engineers, Architects, or Surveyors
For an additional charge of 10%, the definition of insured can be amended to include an architect, engineer or surveyor engaged by the named insured. Coverage is limited to liability arising out of the named insured's premises or the named insured's work.
Attach Endorsement GL-117.
• Designated Party
The definition of insured can be amended to include designated persons or organizations. The designated party, the designated activity of the designated party and the designated interest of the designated party must be described in the endorsement. The interests of the designated party should set forth the legal or other interest the party has in the insured's activities.
This endorsement is designed as a generic additional insured endorsement. It is used to add a person or organization as an additional insured where there is no specific additional insured endorsement available for the class of persons or organizations to be added. Refer to Company to determine the additional charge. Attach Endorsement GL-841.
• Lessors
For an additional charge of 10%, the definition of insured can be amended to include the owner of the premises (lessor) from whom the named insured (lessee) leases the premises.
The leased premises and the lessor must be described in the endorsement. The description of the leased premises must indicate the part of the premises leased by the insured.
Attach Endorsement GL-842.
• Vendors
For an additional charge of 10%, the definition of insured can be amended to include a vendor of the named insured's products. Limited products liability coverage is provided for such vendors. The products must be identified in the endorsement.
Attach Endorsement GL-843.
2.7 Additional Interests Not Permitted
Commercial Liability Coverage cannot be endorsed to cover the additional interests of:
2.7.1 Premises Exposures
• Architects, engineers or surveyors not engaged by the insured
• Contractors or sub-contractors on policies covering owners and lessees
• Persons or Organizations who hire teams, saddle animals, hand trucks or garment racks from others and employees of such persons or organizations on policies covering the owner
• Tenants or exhibitors on policies covering owners, managers or operators of buildings or premises or interests from whom premises have been rented or leased
2.7.2 Premises/Operations Exposures
• Architects, engineers or surveyors not engaged by the insured
• Contractors or sub-contractors on policies covering owners, lessees or contractors
• Tenants or lessees on policies covering owners, managers or operators of premises or interests from whom premises have been rented or leased, except gasoline stations or bulk gasoline or oil distributing points
• States, counties, cities or other governmental units, in connection with permits issued for operations performed for the governmental unit