Per-Project Aggregate Endorsement CG 25 03
A per-project aggregate endorsement CG 25 03 is a commercial general liability policy modification that applies the general aggregate limit separately to designated construction projects.
Definition
Per-project aggregate endorsement CG 25 03 refers to a commercial general liability endorsement that modifies the application of the general aggregate limit by assigning a separate aggregate limit to each construction project designated in the endorsement schedule. The endorsement concerns aggregate limit allocation, not the creation of a separate policy, separate coverage form, or separate occurrence limit.
Within a commercial general liability structure, the general aggregate limit ordinarily represents the maximum amount available for certain covered liability claims during the policy period. A per-project aggregate endorsement changes the aggregation method so that designated construction projects are not measured solely against one shared general aggregate limit.
Structural Components
The structure of a per-project aggregate endorsement CG 25 03 typically includes a scheduled designation of covered construction projects, a modified application of the general aggregate limit, and policy language clarifying how the aggregate applies to operations connected with each designated project.
- Designated project schedule: Identifies the construction projects to which the modified aggregate structure applies.
- General aggregate modification: Applies the general aggregate limit separately to each designated project rather than only on a policy-wide basis.
- Connection to CGL coverage: Operates within the commercial general liability policy rather than replacing the underlying coverage form.
- Aggregate-only function: Concerns cumulative limit application and does not independently expand all other limits of insurance.
Parameters & Conditions
A per-project aggregate endorsement CG 25 03 applies only according to the terms, schedule, and limit structure of the policy to which it is attached. Its operation depends on whether a construction project is properly designated and whether the loss is connected to the operations contemplated by the endorsement language.
The endorsement is structurally tied to construction project liability exposure and is commonly evaluated in relation to contractual insurance requirements, aggregate limit exhaustion, additional insured obligations, and certificate of insurance verification. Its effect remains subject to the underlying policy’s exclusions, definitions, conditions, and other applicable endorsements.
Topic Relationships
Per-project aggregate endorsement CG 25 03 is conceptually related to the following insurance topics:
Exceptions, Limitations & Boundaries
A per-project aggregate endorsement CG 25 03 does not create unlimited liability coverage, does not remove policy exclusions, and does not convert a general liability policy into a project-specific liability policy. It modifies how the general aggregate limit applies to designated construction projects, subject to the terms of the policy.
The endorsement should not be treated as equivalent to an additional insured endorsement, a certificate of insurance, a completed operations endorsement, or a contractual indemnity provision. It addresses aggregate limit allocation and remains distinct from provisions that determine insured status, liability assumption, claim reporting, or completed operations treatment.
Per-Project Aggregate Endorsement CG 25 03: Definitional FAQ
It is a commercial general liability endorsement that applies the general aggregate limit separately to designated construction projects.
CG 25 03 affects the application of the general aggregate limit for designated construction projects, subject to the policy’s terms and conditions.
No. CG 25 03 concerns aggregate limit allocation, while an additional insured endorsement concerns insured status under the policy.
The endorsement applies according to its schedule and policy language, including whether a project is designated within the endorsement structure.