What it does
CG 21 16 adds Coverage A and Coverage B exclusions, for the professional services described in the schedule, for "bodily injury", "property damage" or "personal and advertising injury" due to rendering or failing to render any professional service.
Who needs it
Consultants, engineers, technology firms, health and wellness providers, and other service businesses whose CGL is written alongside professional liability.
Key provisions and limits
- Applies even if the claim alleges negligent supervision, hiring, employment, training or monitoring, if the occurrence or offense involved the professional service.
- The schedule allows up to three described services.
Quoting and selling notes
- The described services control. Vague entries ("all professional services") can remove coverage for ordinary bodily injury claims; push for a specific description.
- Pair with professional liability; check whether that policy covers bodily injury.
- For specific professions ISO has dedicated forms (for example CG 22 43 engineers, CG 22 79 contractors).
