← Back to COI Auditor
Moderate Risk Category: Aggregate Limits • Edition: 05 09

CG 25 03 — Designated Construction Project(s) General Aggregate Limit

Applies a separate General Aggregate limit to each individual designated job site rather than exhausting the policy limit across all contractor jobs.

⚠️ The Underwriting Trap

If a subcontractor has a $2,000,000 general aggregate and incurs a catastrophic loss on another builder's job site in January, your project has $0 remaining aggregate coverage for the rest of the policy year.

✅ General Contractor Remedy

Mandate CG 25 03 (Per Project Aggregate) so your specific construction site receives an uncompromised full policy limit.

Standard ISO Policy Wording

The General Aggregate Limit under Section III - Limits Of Insurance applies separately to each of your projects away from premises owned by or rented to you.

Verify Your Subcontractor's Endorsements

Upload your ACORD 25 certificate or copy/paste policy endorsement schedules.

Scan COI for Form Deficiencies →