CG 25 03: Per Project General Aggregate Endorsement Explained

CG 25 03 gives each construction project described in its schedule a separate general aggregate limit. Covered payments tied only to ongoing operations at one designated project reduce that project's aggregate instead of consuming the one general aggregate shared across the policy. The form does not replenish the products-completed operations aggregate by project.

This endorsement protects limit capacity across multiple active jobs, but only when the claim and project fit its wording.

How does the CG 25 03 per project aggregate work?

Without a per project endorsement, the CGL's general aggregate is generally shared across operations subject to that aggregate during the policy period. CG 25 03 creates a separate Designated Construction Project General Aggregate Limit for each project listed in its schedule. The limit for each project equals the General Aggregate Limit shown in the declarations.

Current public works specifications from Whatcom County require the 05 09 edition or an equivalent and describe it as a per project general aggregate endorsement.^[1] Okanogan County contract provisions likewise require CG 25 03 05 09 when the general aggregate must apply separately to a construction project.^[2]

What happens when a claim does not belong to one project?

A payment that cannot be attributed only to ongoing operations at a single designated project follows the policy's regular aggregate rules. It can reduce the general aggregate or products-completed operations aggregate, whichever applies, without reducing a designated project's general aggregate. The exact allocation depends on the policy and claim facts.

This is why a vague schedule creates trouble. Confirm project names, addresses, and any blanket description before mobilization. If the business adds jobs during the policy term, ask how the carrier brings new projects within the endorsement.

Does CG 25 03 create a per project completed operations aggregate?

No. The 05 09 form directs products-completed operations payments to the Products-Completed Operations Aggregate Limit, not to the designated project general aggregate. Clinton County's public construction specifications include an earlier CG 25 03 edition that also treats completed operations separately.^[3] Saying that CG 25 03 automatically restores completed operations limits for each project is incorrect.

Contracts also list the two aggregates separately. Whatcom County's specification requires a $3,000,000 general aggregate and a distinct $3,000,000 products-completed operations aggregate even while requiring CG 25 03.^[1] If a contract demands project-specific completed operations limits, ask the broker what separate endorsement or carrier wording satisfies it.

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 25 03 preserves a separate general aggregate for each designated construction project's ongoing operations. It does not create a project-specific products-completed operations aggregate, so compare both limits with the contract before relying on the endorsement.