What Are The Coverage Gaps Created By The Limited Operations Endorsements?

Improper application of insurance terminology by some insurance news sources has created a wave of worry over an endorsement these media outlets assert severely limits the protection provided by the commercial general liability (CGL) policy . Readers are even warned that attachment of this endorsement is antithetical to the foundational principles of the CGL.

This “new” controversy centers on an endorsement actively used since the mid-to-late 1980’s: the Limitation of Coverage to Designated Operations (or similarly titled) endorsement. The true nature, purpose and use of this endorsement have been masked by previously published misinformation, bias and myth.

Click here to read the first in a two-part series about this supposed toxic limitation.