CG 21 44: Designated Premises, Project or Operation Limitation

CG 21 44 limits a commercial general liability policy to the premises, project, or operation described in its schedule. An injury or offense can fall outside the policy when it lacks the required connection to that description. The endorsement restricts Coverages A, B, and C. It does not simply delete Coverage B.

The edition matters. The older 07 98 edition uses the title Limitation of Coverage to Designated Premises or Project, while the 04 17 edition adds operation to both the title and schedule.

What does CG 21 44 limit?

CG 21 44 changes when the CGL insuring agreements apply. Under the older 07 98 form, covered injury, damage, offenses, and medical expenses had to arise from the scheduled premises and operations necessary or incidental to them, or from the scheduled project. An Independent Insurance Agents and Brokers of Louisiana technical advisory confirms that the restriction reaches Coverage A, Coverage B, and Coverage C.^[1]

The form therefore does more than identify an address. A business may operate from the listed premises yet create an off-premises exposure that the schedule does not capture. Coverage still depends on the exact edition, schedule, and all other exclusions.

How did the 04 17 edition change the form?

The 04 17 edition is titled Limitation of Coverage to Designated Premises, Project or Operation. It was revised to address disagreement over how far operations necessary or incidental to a scheduled premises could extend. The newer form states separate location or connection tests for Coverages A, B, and C rather than relying on the older phrase.^[1]

That revision does not turn Coverage B off. It limits Coverage B through tests tied to the scheduled premises or the scheduled project or operation, with detailed treatment of location-based offenses. Describing CG 21 44 as a Coverage B deletion is inaccurate.

Why do contracts often prohibit it?

Project owners often prohibit CG 21 44 because they expect a contractor's liability policy to follow the work described in the agreement. Tampa International Airport's Airside D contract bars the endorsement unless the design-builder uses an approved wrap-up program.^[2] An Oregon state grant agreement likewise requires liability insurance with no limitation to designated premises, project, or operation.^[3]

Before signing, compare the contract's required scope with the completed schedule. Ask the broker for the actual endorsement, not only a certificate. Confirm every relevant address, project name, and operation, then repeat that check at renewal because copied schedules can preserve an obsolete description.

This guide is for educational purposes and summarizes standard ISO policy language in original words. Menlo Insurance Services is not affiliated with Insurance Services Office, Inc. Your policy's specific terms, conditions, and endorsements control. Talk to a licensed broker about your actual exposures.

The Bottom Line

CG 21 44 confines liability coverage to the description in its schedule. Check the edition and every scheduled detail before relying on the policy for off-premises work or an additional project.