Exclusions
Exclusions are risk we do not cover. Please navigate below to see which applies to your policy.
Prior Sold Products
Excludes coverage for any product previously sold by the insured before the effective date of the policy
All Classes
Injury to Worker
Excludes coverage for any injury to a worker that is employed by the named insured
All Classes
Activities or Operations Performed by Non-Disclosed Employee
Excludes activities or operations performed by non-disclosed employees
All Classes
Alcoholic beverage health effects
Excludes coverage for any health effects related to consumption of alcoholic beverages
All Classes
Assault and battery
Excludes for any injury, damage or loss resulting from an act of assault or battery
All Classes
Injury to Volunteer Workers
Excludes coverage for bodily injury to volunteers working for the insured
All Classes
Medical Malpractice
Excludes any actual or alleged bodily injury, sickness, disease, or property damage arising out of the rendering of professional medical services or treatment, including any claim for loss of services or loss of support
All Classes
Overspray
Excludes damage resulting from overspray from painting, spraying, etc.
All Classes
Sexually Transmitted Diseases
Excludes coverage for any losses caused by sexually transmitted diseases or illnesses.
All Classes
Total Professional Services
Applies to any liability arising from professional services including but not limited to actuarial, legal, engineering, and accounting services.
Consultant, agency, professional services (actuarial, legal, engineering, accounting)
Additional Insured
Excludes coverage for injury or damage arising out of professional architectural, engineering or surveying services completed by an additional insured on the Business Liability Coverage Form
Professional services (actuarial, legal, engineering, accounting)
Described Hazards Mechanically Operated Amusement Devices
Excludes coverage for amusement devices operated by mechanical means such as pinball machines, video games, pool tables, and jukeboxes
All Classes
Described Hazards Fireworks
Excludes coverage for described hazards such as fireworks
All Classes
Discrimination
Excludes certain individuals or groups from the services of a business due to their race, color, religion, sex, national origin, disability, or age
All Classes
Professional Services
Services provided by professionals such as actuaries, lawyers, engineers and accountants
Consultant, agency, professional services (actuarial, legal, engineering, accounting)
Absolute Lead Exclusion
Exposure from lead paint may be deleted with the attachment of this form. This optional form is available to all classes
All Classes
Artificial Tanning
Excludes coverage for all tanning services.
All Classes
Tobacco Or Nicotine Products
Excludes coverage for all damages arising out of the defined tobacco or nicotine product
All Classes
Chapter or Club Activities
Excludes coverage for activities of any member, affiliate or associated chapter, club or similar entity
All Classes
Field Trips or Excursions
Excludes coverage for bodily injury sustained by any person while on any field trip or excursion
School
Inhalation Devices
Precludes coverage for injury arising from the use inhalation devices
All Classes
Foreign Products
Excludes coverage for injury or damage that occurs outside of the coverage territory if the injury/damage arises from products that are made or sold in the coverage territory
All Classes
Playground Facility
Excludes coverage for any playground facility
All Classes
Products - Completed Operations Hazard
Removes coverage for products and completed operations when attached
All Classes
Designated Operations
Excludes coverage for the operations designated in the Declarations
All Classes
Patient Injury
Excludes coverage for injury to any person while they are the patient of an insured or at an insured‚ premises for the purpose of receiving health care or other related services
All Classes
Snow or Ice Removal Operations
Excludes coverage for liability arising out of snow or ice removal operations
All Classes
Transporting And Towing Liability
Excludes coverage for injury or damage which arises out of the transporting or towing of any vehicle
Car dealership
Project Apparatus
Excludes coverage for injury or damages caused by the use of any project apparatus
All Classes
Financial Institutions Construction Loans Or Finance
Excludes coverage for injury or damage arising out of any building in which the insured holds a security interest because of loans made in connection with its construction, or the financing of its construction
All Classes
Electromagnetic Hazard
Excludes coverage for injury or damage arising out of radiation or electromagnetic sources
All Classes
Designated Activities
Excludes coverage for injury or damage arising from the activities outlined in the endorsement
All Classes
Limited Exclusion - Electromagnetic Hazard
Excludes coverage for injury or damage arising out of the actual or alleged properties of radiation or energy from electromagnetic sources
All Classes
Special Events
Excludes coverage for specific special events as defined in the endorsement
Art Dealers or Galleries, Museums, Libraries, Associations, Clubs
Aircraft Products Liability
Excludes coverage for injury or damage arising from aircraft products liability
All Classes
Lawyers Professional Liability
Excludes coverage for injury or damage arising from professional legal services
Professional services (actuarial, legal, engineering, accounting)
Medical Expenses
Removes coverage for Medical Expenses from the Business Liability Coverage Form
All Classes
Association Chapter Or Club Activities
Excludes coverage for bodily injury or property damage arising out of the ownership, maintenance, or use of any auto owned, leased, hired, rented, borrowed, or operated by or used in the business of any chapter, club or similar entity affiliated or associated with the named insured under any chapter, license, franchise or similar arrangement
All Classes
Real Estate Development And Real Estate Management Activities
Excludes coverage for real estate development and management activities and is mandatory for certain Real Estate classes and optional for all other classes.
Real Estate
Equipment Leasing And Sale
Excludes coverage arising out of the lease, rental or sale of equipment or property, other than real property, to others
All Classes
Consulting Services Errors and Omissions
Excludes coverage for consulting and design services errors and omissions.
Consultant, agency, professional services (actuarial, legal, engineering, accounting), manufacturer, printing & publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Software Programmers - Products And Errors And Omissions
Excludes coverage for all programming services including products and errors and omissions
All Classes
Construction Activities
Excludes coverage for injury or damage arising out of structural alterations, the moving of buildings or other structures, new construction or demolition operations
All Classes
Entities Receiving Venture Capital Services
Excludes coverage for injury or damage arising out of individuals or entities receiving venture capital services from the insured
All Classes
Limited Exclusion - Professional Services - Home Inspectors
Excludes coverage for injury or damage resulting from the professional services of a home inspector
Professional services (actuarial, legal, engineering, accounting), home inspector
Property Damage To Electronic Data Computer Software Manufacturer
Excludes damage to electronic data arising out of computer software programs developed and manufactured by the insured
Manufacturer, printing & publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Web Site Related Personal And Advertising Injury
Excludes coverage for personal and advertising injury arising out of the insured
All Classes
Restriction of Coverage
Excludes coverage for injury or damage for products, clinical trials, health care services and professional liability
All Classes
Wood Preservatives Containing Arsenic
Excludes coverage for injury or damage arising out of the wood preservative hazard
All Classes
Welding Hazard
Excludes coverage for injury or damage arising out of or related to welding materials
All Classes
Hazards Insured Elsewhere
Excludes coverage for injury or damage for which insurance is provided by any policy shown in the schedule on the endorsement
All Classes
Personal and Advertising Injury Exclusion - Copyright Material
Excludes personal and advertising injury for the infringement of copyright, slogan, or title of any literary or artistic work in the insured‚ advertisement
All Classes
New Construction Multiple Unit and Tract Housing
The form excludes coverage for bodily injury, property damage and/or personal and advertising injury arising out of the insured‚ work on multiple unit housing, tract housing or the conversion of existing apartments into condominiums or cooperatives
Manufacturer, printing & publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Mortgage Foreclosure
Excludes coverage arising out of the ownership, maintenance or use of real property acquired by foreclosure.
All Classes
Dispensing And Distributing
Excludes coverage for injury or damage arising out of the dispensing and distributing of pharmaceutical drugs, vaccinations, or immunizations
Drug Store
Coverage For Special Events - Alcohol Distributors
Excludes coverage for specific special events as defined by the form
Distributor, broker
Subsidence And Other Soil Movements
Excludes coverage for loss resulting from soil movements including landslide and earthquake as defined by the form
All Classes
Continuous or Progressive Injury and Damage
Excludes coverage for bodily injury or property damage that first commenced before the policy period regardless if it continues during the policy period
All Classes
Perfluoroalkyl and Polyfluoroalkyl Substances
Excludes bodily injury, property damage, and personal and advertising injury related exposures associated to Perfluoroalkyl and Polyfluoroalkyl Substances
All Classes
Setting of Standards, Warnings, Licenses or Certification
Excludes coverage for injury or damage arising out of the setting of standards, warnings, licenses or certification of a particular product, procedure, method service or process
All Classes
Trampoline And Gymnastic Rebounding Devices
Excludes coverage for injury arising out of the ownership, maintenance, operation or use of any trampoline or gymnastic rebounding device
All Classes
Hazards Insured Elsewhere
Excludes coverage for injury or damage for which insurance is provided by any policy shown in the schedule on the form
All Classes
Nuclear Energy Liability
Excludes liability coverage for injury or damage resulting from nuclear material. This form is mandatory for all classes
All Classes
Programming Services
Excludes coverage for injury or damage arising out of the insured
Consultant, agency, professional services (actuarial, legal, engineering, accounting), manufacturer, printing & publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Hazards Insured Elsewhere
Excludes injury or damage arising out of a specific location and/or specific operation shown in the Declarations
All Classes
Designated Operations Covered By A Consolidated Wrap-Up Insurance Program
Excludes coverage for the operations of the insured at specific job sites if those sites are insured by the prime contractor/project manager or owner of the construction project in a Wrap-Up program
All Classes
Absolute Pollution Exclusion - Exception For Hostile Fire
Deletes specific provisions from the pollution exclusion as it appears on the Business Liability Coverage Form with the exception of hostile fire
All Classes
Personal and Advertising Injury
Excludes coverage for personal and advertising injury with the exception of the following offenses: false arrest, malicious prosecution, wrongful entry, wrongful eviction and invasion of the right of private occupancy
All Classes
Construction Activities - Engineers, Architects or Surveyors
Excludes coverage for injury or damage arising out of construction activities, and construction management and supervision services performed by the insured
All Classes
Fungi, Bacteria And Viruses
Excludes coverage for injury or damage arising out of exposure to fungi, bacteria and viruses, with an exception for bodily injury or property damage caused by ingestion of food
All Classes
Fungi Bacteria Viruses Limited
Excludes coverage for injury or damage arising out of exposure to fungi, bacteria and viruses, with an exception for bodily injury or property damage caused by ingestion of food and for bodily injury
All Classes
Contractor, Errors & Omissions
Coverage for negligent acts, errors, or omissions arising out of the performance of contracted services
All Classes
Excess Provision
Excludes coverage for any loss in excess of the applicable limit of liability
All Classes
Limitation of Coverage for Vacant Land
Excludes coverage for injury or damage arising out of vacant land, real estate development property or hunting preserves
All Classes
Limitation of Coverage - Travel Agents
Excludes coverage for errors and omission in the conduct of a business as a travel agent
Agency
Limitation of Coverage Personal and Advertising Injury - Financial Services
Modifies the definition of personal and advertising injury to exclude offenses arising out of or in any way related to, mortgage, lien, mortgage servicing or lien servicing operations conducted by or on behalf of the insured
Broker, professional services, agency, consultant, franchise business, association, distributor, car dealership, school
Limitation of Coverage to Business Description
Limits coverage to only those businesses specified in the class list
All Classes
Designated Operations Limitation
Limits the operations of the insured business to only those designated in the policy
All Classes
Hazards Insured Elsewhere - Educator's Legal Liability Coverage Form
Excludes coverage for injury or damage for which insurance is provided by any policy shown in the schedule on the endorsement
School
Fungi Bacteria Viruses - Educator's Legal Liability
Excludes coverage for injury or damage arising out of exposure to fungi, bacteria and viruses
School
Silica
Excludes coverage for injury or damage arising out of silica
School
Wood Preservatives Containing Arsenic - Educators Legal Liability
Excludes coverage for injury or damage arising out of the wood preservative hazard
School
Welding Hazard - Educator's Legal Liability
Excludes coverage for injury or damage arising out of or related to welding materials
School
Absolute Lead Exclusion
Excludes coverage for injury or damage arising out of the lead hazard
Retail store, clothing store, fitness facility, day spa, barber shop & beauty salon, consultant, agency, professional services, manufacturer, printing & publishing company, franchise business, association, distributor, broker, car dealership, school
Wood Preservatives Containing Arsenic
Excludes coverage for injury or damage arising out of the wood preservative hazard
Manufacturer, printing and publishing company, art studio, franchise business, association ,distributor, broker, car dealership, school
Welding Hazard
Excludes coverage for injury or damage arising out of or related to welding materials
Manufacturer
Hazards Insured Elsewhere - Owners and Contractors Protective Liability Coverage Form
Excludes coverage for injury or damage for which insurance is provided under any policy shown in the schedule in the endorsement
All Classes
Fungi Bacteria Viruses
Excludes coverage for injury or damage arising out of exposure to fungi, bacteria and viruses
All Classes
Business Personal Property Exclusion - Collection
Excludes specific types of Business Personal Property which are part of a collection, exhibition, or display of a cultural institution
49010, 49041, 49101, 49141
Medical Diagnostic Equipment
Excludes coverage for Medical Diagnostic Equipment as defined within the form
Veterinarian - Equine Only, Veterinarian - Predominately Large Animals, Veterinarian - Predominately Small Animals, Veterinarian - Predominately Small Animals Only, Medical Office - Other, Medical Diagnostic Centers, Laser Eye Surgery Center, Ambulatory Surgery Centers, Dialysis Centers, Dental Laboratory
Cosmetic Damage to Metal Roof Surfacing
Excludes coverage for cosmetic damage caused by windstorm or hail when building coverage is included on the policy
All Classes
EX 00 00
Excludes coverage for certain perils described in the form. This form is mandatory for all classes when Special Property Coverage Form, SP 00 00, is on the policy
All Classes
Amendment of Property Coverage for Financial Services
Coverage for certain types of property owned by the financial services market group
Financial services
Athletic or Sports Participants
Excludes payments made to athletic or sports participants
All classes
Unmanned Aircraft
Excludes unmanned aircraft operations, such as drones for commercial purposes
Manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Designated Professional Services
Excludes coverage for the rendering or failure to render designated professional services that are described in the Declarations
All Classes
Communicable Disease
Excludes bodily injury, property damage, or personal and advertising injury arising out of the actual or alleged transmission of a communicable disease
All Classes
Designated Products
Excludes coverage for products and completed operations arising out of the designated products shown in the Declarations
All Classes
Designated Wrok
Excludes coverage for products and completed operations arising out of the designated work shown in the Declarations
All Classes
Personal and Advertising Injury
Removes coverage for personal and advertising injury from the Business Liability Coverage Form
All Classes
Inter-company Products Suit
Excludes coverage for claims brought by one Named Insured against another Named Insured
All Classes
Explosion, Collapse, and Underground Property Damage Hazard (Specific Operations)
Excludes coverage for damages arising out of collapse, blasting and explosion hazards
All Classes
Limitation of Coverage to Designated Premises, Project or Operation
Excludes coverage for injury or damage to a designated premises or designated project shown in the Declarations
All Classes
Financial Services
Excludes coverage for injury of damage resulting from the rendering of or failure to render various financial services
Consultant, agency, professional services, manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Counseling Services
Excludes coverage for counseling services with respect to issues such as mental health, crisis prevention, social services or drug and alcohol rehabilitation
All Classes
Professional Veterinarian Services
Excludes coverage for injury or damage arising out of the treatment of animals
Veterinarian, pet training services
Diagnostic Testing Laboratories
Excludes coverage for medical or diagnostic testing or procedures
All Classes
Volunteer Workers as Insureds
Removes volunteer workers as insureds from the Business Liability Coverage Form
All Classes
Exterior Insulation & Finish Systems
Excludes coverage for injury or damage arising out of the use of exterior insulation and finish systems or water-managed exterior insulation and finished systems
All Classes
Silica or Silica-Related Dust
Excludes coverage for injury or damage arising out of silica
All Classes
Inspection, Appraisal, and Survey Companies
Excludes coverage for errors and omissions from inspections, appraisals and survey services
All Classes
Corporal Punishment
Removes coverage for injury to the students of the insured arising out of any corporal punishment administered by or at the direction of any insured
All Classes
Testing or Consulting Errors and Omissions
Excludes coverage for consulting errors and omissions or computer software development and is mandatory for certain consulting classes and optional for all other classes
Consultant, professional services
Construction Management Errors and Omissions
Excludes coverage for the rendering or failure to render professional services related to construction management
Professional services
Fiduciary or Representative Liability of Financial Institutions
Excludes coverage for damages arising out of the ownership, maintenance, or use of property for which the insured is acting in a fiduciary or representative capacity
All Classes
Camps or Campgrounds
Excludes coverage for injury or damages caused by the rendering of or failure to render medical services by the Insured operating or owning a camp or campground with an infirmary
All Classes
Medical Payments to Children in Day Care
Excludes medical expenses coverage for children enrolled in day care
All Classes
Housing Project Sites
Excludes coverage for damages arising out of the ownership of a building on the site of a proposed housing project at the time the property was acquired by a housing authority
All Classes
Existence or Maintenance of Streets, Roads, Highways, or Bridges
Excludes coverage for damages arising out of the existence or maintenance of streets, roads, highways, or bridges
All Classes
Engineers, Architects, or Surveyors Professional Liability
Excludes coverage for injury or damage arising out of or the failure to render any professional services by an engineering, architectural or surveying firm
Architect, Engineer, Land Surveyor
Specified Therapeutic or Cosmetic Services
Excludes coverage for injury or damage with respect to any operation shown in the Declarations, arising out of the rendering or failure to render any service, treatment, advice or instruction for the purpose of appearance, skin enhancement, hair removal, replacement, personal grooming, or therapy
All Classes
Insurance and Related Operations
Excludes coverage for professional liability from the operations of an insurance agency
Agency, professional services
Medical Payments Coverage - Inmates, Patients, or Prisoners
Excludes coverage for injury to any inmate, patient or prisoner treated at any of the facilities shown in the schedule on the form
All Classes
Corporal Punishment
The intentional infliction of physical pain as a form of punishment
School
Real Estate Property Managed
Excludes coverage for damage arising out of property in which the insured operates, manages, or acts as an agent for the collection of rents or any other supervisory capacity
All Classes
Professional Liability
Excludes coverage for the rendering or failure to render any service in connection with the insured's computer software
All Classes
Professional Liability Exclusion - Computer Data Processing
Excludes coverage for injury or damage arising out of any act, error or omission with respect to data processing services
All Classes
Professional Liability
Excludes coverage for personal and advertising injury arising out of the insured's computer data processing operations, with the exception of the following offenses: false arrest, malicious prosecution, wrongful entry, wrongful eviction and invasion of the right of private occupancy
All Classes
Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate - Seed Merchants
Excludes coverage for damage arising out of the failure to deliver seed, the delivery of the wrong seed or the delivery of the seed at the wrong time as well as the failure of the seed to germinate
All Classes
Adult Day Care Centers
Excludes coverage for injury or damage arising out of the rendering or failure to render any medical related services
All Classes
Telecommunication Equipment or Service Providers Errors and Omissions
Excludes coverage for injury or damage out of the insured's involvement in telecommunications-type services
All Classes
Damage to Work Performed by Subcontractors on Your Behalf
Amends the definition of Occurrence in the Business Liability Coverage Form to include damage resulting form the insured's work performed by a subcontractor
Manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Damage to Work Performed by Subcontractors
Excludes damage to work performed by subcontractors on your behalf at designated sites or operations
All Classes
Exterior Insulation & Finish Systems
Excludes coverage for injury or damage arising out of the use of exterior insulation and finish systems or water-managed exterior insulation and finish systems
Manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Silica or Silica-Related Dust
Excludes coverage for injury or damage arising out of silica
Manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Employees and Volunteer Workers as Insureds
Removes coverage under the "Who is an Insured" section of the Business Liability Coverage Form for employees and volunteers
All Classes
Athletic or Sports Participants - All Contests or Exhibitions
Removes coverage for bodily injury to any person while practicing for or participating in any class, athletic, or sports related activity
All Classes
Hired Auto Liability
Excludes liability for hired autos (vehicles rented, leased, or loaned to the insured) owned by or leased to the insured
All Classes
Cannabis Exclusion with Hemp Exception
Excludes bodily injury, property damage and personal advertising injury related exposures associated with the defined term cannabis, including exceptions for hemp
All Classes
Cannabis Exclusion with Hemp and Lessors Risk Exceptions
Excludes bodily injury, property damage and personal and advertising injury related exposures associated with the defined term cannabis, including exceptions for hemp and Lessors Risk
All Classes
Sexual Abuse or Sexual Molestation
Excludes coverage for sexual abuse or molestation
All Classes
Theft
Excludes loss or damage due to theft
All Classes
Windstorm or Hail
Excludes loss or damage due to windstorm or hail
All Classes
Cannabis
Excludes applicants from providing any services realted to the cannabis industry
All Classes
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