Exclusions To Watch For
Exclusion - Testing or Consulting Errors and Omissions
This insurance does not apply to "bodily injury", "property damage", or "personal and advertising injury" arising out of:
- An error, omission, defect, or deficiency in:
- Any Test Performed; or
- An Evaluation, a consultation or advise given, by or on behalf of any insured:
- The Reporting of or reliance upon any such test, evaluation, consultation or advice: or
- An error, omission, defect or deficiency in experimental data or the insured's interpretation of that data
Exclusion - Professional Liability
The rendering of or failure to render professional services by an insured, including, but not limited to:
- The preparation or approval of maps, drawings, opinions, reports, surveys, field orders, change orders, designs, or specifications; and
- Supervisory, inspection, or engineering services
Exclusion - Contractual Liability
Any claim arising from any of the following relative to a contract any insured has entered into with a client
- Any assumption of the client's sole negligence or legal liability
Exclusion - Cross Suit
- Any Claim by any insured against any other insured under this policy
Exclusion - Employee Action-Over
This insurance does not apply to any claim, suit, cost, or expense arising out of "Bodily Injury" to
- Any employee of a Named Insured arising out of and in the course of
- Employment by the insured; or
- While performing duties related to the conduct of the Insured's business; or
- The spouse, child, parent, brother, sister, or relative of that employee as a consequence of the above listed
Exclusion - Property Damage
- Any claim for any property damage to any real or personal property that was owned in whole or in part, or was rented, occupied or in the care, custody or control of any Insured at any time
Exclusion - Employees of Independent Contractors
- The coverage under this policy does not apply to "bodily injury", "property damage", "personal and advertising injury", or any injury, loss or damage sustained by any employee of an independent contractor contracted by you or on your behalf
Exclusion - Prior Work
- This insurance does not apply to "bodily injury", "property damage", or "personal and advertising injury" arising out of "your work" performed prior to the inception date of the policy period stated on the Declarations page