ISO CG 25 03 Designated Construction Project Aggregate Audit: Preventing Off-Site Limit Erosion
Without ISO Endorsement CG 25 03 ("Designated Construction Project(s) General Aggregate Limit"), a contractor’s $2,000,000 General Aggregate Limit is shared across EVERY jobsite the contractor worked on during the entire year. If a subcontractor you hired suffers a $1.8M claim on an unrelated job across town in March, only $200,000 of aggregate coverage remains for your project in July! Furthermore, even when carriers attach CG 25 03, they often layer a manuscript "$5,000,000 Policy-Wide Aggregate Cap" on top.
General Contractor Left With $320,000 Uninsured Water Defect Claim Due to Missing CG 20 37 & CG 22 94 Exclusion
A GC collected a subcontractor COI showing "Additional Insured: Yes," but the actual binder only attached ISO CG 20 10 (Ongoing Operations)—omitting ISO CG 20 37 (Completed Operations)—and the GC’s own GL policy contained ISO CG 22 94 deleting the Subcontractor Exception.
EndorseIQ™ mandates both ISO CG 20 10/20 38 and CG 20 37 (Completed Operations), strikes ISO CG 22 94 and CG 21 39, and enforces Primary & Noncontributory (CG 20 01) vertical exhaustion.
Check Your Full Contract PDF for Cross-Section Overrides (Free 60s Scan)
Fixing one clause alone often fails when a buried definition, exhibit, or survival clause elsewhere in your Construction GL & Subcontractor neutralizes your protection. Drop your PDF or Word (.docx) below for an instant, 100% anonymous cross-section audit.
“BLANKET PER-PROJECT GENERAL AGGREGATE ENDORSEMENT (ISO CG 25 03) & UMBRELLA DROP-DOWN: Policy is endorsed with ISO Form CG 25 03 (Designated Construction Project(s) General Aggregate Limit) on a Blanket basis applying
What to Say to the GL Carrier & Upstream GC / Owner Requirements
"A shared General Aggregate means a claim on one of the subcontractor’s unrelated jobsites could leave our project uninsured. We require Blanket ISO CG 25 03 (Per-Project General Aggregate Limit) attached to the Primary GL and followed by the Umbrella policy."
Why they drafted it this way: Carriers prefer a single shared $2,000,000 General Aggregate across all jobsites—or cap per-project aggregates at $5,000,000 total—to limit their maximum annual exposure across busy contractors.
Mandatory Audit Checklist Points
- Attach ISO CG 25 03 (Designated Construction Project General Aggregate Limit) on a Blanket contractual basis
- Check for manuscript "Maximum Policy-Wide Aggregate Cap ($5M)" riders that cap total CG 25 03 resets
- Remember that Products-Completed Operations has its own separate Aggregate Limit not reset by CG 25 03
- Verify the Excess/Umbrella policy drops down if the Primary Aggregate is eroded or exhausted
Paste Your ISO CG 25 03 per project aggregate limit construction GL audit Section or Upload Your Full Construction GL & Subcontractor (.pdf / .docx)
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ACTIVE ENGINE: ENDORSEIQ™ (MULTI-HOP ISO & COVERAGE GRAPH)Frequently Asked Questions
Does ISO CG 25 03 apply to the Products-Completed Operations Aggregate Limit?
No! ISO CG 25 03 resets ONLY the "General Aggregate Limit" (which covers Ongoing Operations per project). Claims falling within the "Products-Completed Operations Hazard" remain subject to the policy-wide Products-Completed Operations Aggregate Limit—which is why carrying a $5M–$10M Umbrella tower above the primary GL is essential.
What is the difference between ISO CG 25 03 and ISO CG 25 04?
ISO CG 25 03 applies a separate General Aggregate Limit to each designated "Construction Project." ISO CG 25 04 applies a separate General Aggregate Limit to each "Location" owned or rented by the insured (used by retail chains and multi-location property owners).
How do I redline ISO CG 25 03 per project aggregate limit construction GL audit traps in my Construction GL & Subcontractor anonymously without creating an account?
Upload your Construction GL & Subcontractor PDF or Word (.docx) draft to ExclusionRadar.com to run the "ISO CG 25 03 Designated Construction Project Aggregate Audit: Preventing Off-Site Limit Erosion" defense cartridge 100% anonymously—with zero account registration, zero email login, and stateless in-memory processing. EndorseIQ™ flags ISO CG 25 03 per project aggregate limit construction GL audit exposure (typically $500,000 – $2,000,000 in exhausted General Aggregate limits from unrelated jobs; documented unredlined loss: $320,000 denied Completed Operations & subcontractor defect claim), checks for cross-section overrides, and exports a ready-to-send Microsoft Word (.docx) Track-Changes file.
More Construction GL & Subcontractor Redline Playbooks
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Nearly every non-admitted construction GL policy contains a manuscript "Residential / Habitational / Condominium / Tract Housing Exclusion." While contractors working on ground-floor retail storefronts, commercial offices, or apartment renovations assume this exclusion only applies to single-family homebuilders, carriers draft these endorsements to exclude ANY work on a structure that contains—or is ever converted into—residential apartments, condominiums, townhomes, student housing, or mixed-use retail/residential buildings!
Earth Movement, Subsidence, EIFS (CG 22 91) & Mold/Fungi (CG 21 67) GL Exclusion Audit
Surplus-lines construction GL binders frequently bundle three silent defect exclusions that destroy coverage for site-work, plumbing, and exterior envelope contractors: (1) an "Earth Movement / Subsidence / Soil Settlement Exclusion" that bars any foundation crack, trench collapse, or retaining-wall claim even when caused by human excavation or a burst pipe; (2) ISO CG 22 91 ("Exclusion — Exterior Insulation and Finish Systems / EIFS"), which excludes any property damage to a building if synthetic stucco/EIFS exists anywhere on the exterior; and (3) ISO CG 21 67 ("Fungi or Bacteria Exclusion"), which denies water-leak claims the moment a plaintiff’s complaint mentions mold.
Subcontractor Warranty Endorsement Audit: Avoiding 100% Claim Denials & $50,000 Deductible Penalties
In addition to ISO forms, non-admitted construction GL carriers attach a manuscript "Independent Contractors / Subcontractor Warranty Endorsement" (Condition Precedent). This clause states that the GC has ZERO coverage for any claim involving a subcontractor unless, prior to the sub setting foot on site, the GC obtained: (1) a signed written hold-harmless contract, (2) Additional Insured endorsements CG 20 10 + CG 20 37, (3) Primary & Noncontributory status, and (4) matching $1M/$2M GL limits. If a single day-laborer or emergency repair sub has an expired COI or missing CG 20 37, the GC’s own GL policy voids coverage completely!
ISO CG 22 94 Exclusion Explained: How to Restore Subcontractor Completed Operations Coverage (2026)
ISO Endorsement CG 22 94 ("Exclusion — Damage to Work Performed by Subcontractors on Your Behalf") deletes the single most important sentence in a General Contractor’s Commercial General Liability policy: the subcontractor exception to Exclusion l. ("Damage to Your Work") under ISO Form CG 00 01. Under unmodified ISO CG 00 01 wording, property damage to your completed project is covered if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor. Once an E&S or surplus-lines carrier attaches CG 22 94 (or its scheduled cousin CG 22 95), any post-completion water intrusion, framing failure, HVAC leak, or foundation defect caused by a hired trade subcontractor results in a 100% coverage denial.