Removes contractual liability coverage for bodily injury to an employee of the subcontractor who sues the General Contractor or Owner.
If an injured worker collects Workers Comp from the sub and then files a third-party negligence lawsuit against the GC (standard in NY, IL, FL, CA), an Action Over exclusion leaves the GC with a six-or-seven-figure uncovered loss.
Reject any subcontractor policy bearing CG 21 39, CG 24 26, or any manuscript 'Employee Bodily Injury Exclusion'. Demand full contractual indemnity without carve-outs.
This insurance does not apply to: Any obligation of the insured to indemnify or hold harmless any person or organization for bodily injury to an employee of the insured arising out of and in the course of employment.
Upload your ACORD 25 certificate or copy/paste policy endorsement schedules.
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