Construction GL Playbook • ISO CG 22 94, CG 21 39 & Action-Over2026 Clause Template • 100% AnonymousClause Danger Score: 98/100Typical Exposure: $150,000 – $1,000,000+ in uninsured construction defect or injured worker claims

ISO CG 22 94 Subcontractor Work & Action-Over Exclusion Audit

Surplus-lines and low-cost construction GL binders frequently attach three coverage-destroying endorsements: (1) ISO CG 22 94 or CG 22 95, which deletes the critical "Subcontractor Exception" to the "Your Work" exclusion (meaning if a subcontractor you hired causes a $400,000 water or structural defect, your GL policy pays $0); (2) ISO CG 21 39 (Contractual Liability Limitation), which deletes coverage for indemnity obligations in your construction contracts; and (3) an "Action-Over / Employee of Independent Contractor" exclusion.

Real-World Financial Loss Case Study & PreventionDocumented Loss: $320,000 denied Completed Operations & subcontractor defect claim

General Contractor Left With $320,000 Uninsured Water Defect Claim Due to Missing CG 20 37 & CG 22 94 Exclusion

What Went Wrong (Unredlined Draft)

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.

How EndorseIQ™ Prevents It Automatically

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 & Non-Contributory (CG 20 01) vertical exhaustion.

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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.

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Free 2026 Copy-Paste Clause Template (First 60% Unlocked • Cross-Section Carve-Out Gated)

“EXCLUSION — DAMAGE TO WORK PERFORMED BY SUBCONTRACTORS ON YOUR BEHALF (ISO CG 22 94): Exclusion l. of Section I — Coverage A (Damage To Your Work) is replaced by the following: This insurance does not apply to "property damage" to "your work" arising out of it or any part of it and included in the "products-completed operations hazard." (Subcontractor exception deleted in its entirety).”

“REMOVAL OF CG 22 94, CG 21 39 & ACTION-OVER EXCLUSIONS: (a) ISO Endorsements CG 22 94, CG 22 95, and CG 21 39 are strictly prohibited and deleted in their entirety, preserving full ISO CG 00 01 "Subcontractor Exception" to the

Counterparties override this cap in 3 other sections. Scan your full PDF free (60s) to unlock cross-section protection.

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What to Say to the GL Carrier & Upstream GC / Owner Requirements

"As a contractor utilizing trade subcontractors and signing standard AIA indemnity agreements, we cannot bind a GL policy containing ISO CG 22 94, CG 21 39, or an Action-Over exclusion. Please quote on unmodified ISO CG 00 01 occurrence wording."

Why they drafted it this way: E&S carriers slash GL premiums by 15% by attaching CG 22 94 and Action-Over exclusions—knowing that for a General Contractor who subcontracts 80% of the trade work, CG 22 94 effectively guts the entire Completed Operations policy.

Mandatory Audit Checklist Points

Strike ISO CG 22 94 and CG 22 95 so the Subcontractor Exception to "Your Work" remains intact
Strike ISO CG 21 39 (Contractual Liability Limitation) so AIA/MSA "Insured Contracts" are covered
Reject any Action-Over / Employee of Subcontractor / NY Labor Law § 240/241 bodily injury exclusion
Remove Tract Housing, Multi-Family, Mixed-Use, or Earth Movement/Subsidence manuscript exclusions

⚡ Pre-Configured Interactive Clause & Contract Checker

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EndorseIQ™ Policy & Binder Scanner

ACTIVE ENGINE: ENDORSEIQ™ (MULTI-HOP ISO & COVERAGE GRAPH)

1. Select Policy / COI Playbook & Protected RoleAuto-Tailored to Your Protected RoleConstruction GL & Subcontractor • Protecting: General Contractors, Subs & Builders

2. Input Your Document (PDF, Word .docx, Scanned Image, or Text)

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Drop PDF / .DOCX anywhere, or press Cmd+V / Ctrl+V to paste policy, COI, or endorsement text

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COMMERCIAL GENERAL LIABILITY (CGL) CONSTRUCTION BINDER & ENDORSEMENT SCHEDULE

THIS COMMERCIAL GENERAL LIABILITY BINDER ("Policy") is issued by VANGUARD SPECIALTY E&S INSURANCE CO. ("Carrier") to APEX BUILDERS & MECHANICAL CONTRACTORS INC. ("Named Insured") with limits of $1,000,000 Each Occurrence / $2,000,000 General Aggregate / $2,000,000 Products-Completed Operations Aggregate.

SECTION 1. ENDORSEMENT CG 21 39 — CONTRACTUAL LIABILITY LIMITATION (DELETION OF INSURED CONTRACT).
This Policy is modified by ISO Endorsement CG 21 39. The definition of "Insured Contract" in Section V (Definitions) of Commercial General Liability Coverage Form CG 00 01 is amended by deleting Paragraph f. in its entirety. Consequently, this Policy provides ZERO coverage for any tort liability assumed by Named Insured in any construction subcontract, Master Services Agreement (MSA), AIA contract, or hold-harmless indemnity agreement with an Owner or General Contractor.

SECTION 2. ENDORSEMENT CG 22 94 — EXCLUSION: DAMAGE TO WORK PERFORMED BY SUBCONTRACTORS ON YOUR BEHALF.
This Policy is modified by ISO Endorsement CG 22 94. Exclusion l. (Damage to Your Work) of Section I — Coverage A (Bodily Injury and Property Damage Liability) is replaced to delete the subcontractor exception. This insurance does not apply to "Property Damage" to "your work" arising out of it or any part of it and included in the "products-completed operations hazard," even if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor.

SECTION 3. ADDITIONAL INSURED SCHEDULE — ONGOING OPERATIONS ONLY (OMISSION OF CG 20 37 COMPLETED OPERATIONS).
Blanket Additional Insured coverage for upstream General Contractors and Project Owners is provided exclusively under Endorsement CG 20 10 (Ongoing Operations). Coverage for Additional Insureds terminates the moment Named Insured's active operations at the jobsite cease. Endorsement CG 20 37 (Additional Insured — Owners, Lessees or Contractors — Completed Operations) is NOT attached, leaving Named Insured in breach of all post-completion subcontract insurance requirements.

SECTION 4. MANUSCRIPT ACTION-OVER / EMPLOYEE BODILY INJURY & LABOR LAW EXCLUSION (ENDT. GL-904).
Notwithstanding anything to the contrary in the "Employer's Liability" exclusion, this Policy does not apply to any claim, suit, contractual indemnity demand, or third-party "Action-Over" impleader brought by an Owner, General Contractor, or third party seeking contribution or indemnification for "Bodily Injury" to any employee, leased worker, temporary worker, or employee of any subcontractor of Named Insured (including any claim arising under New York Labor Law §§ 200, 240, or 241).

SECTION 5. MANUSCRIPT RESIDENTIAL, MULTI-FAMILY, MIXED-USE CONVERSION & SUBSIDENCE EXCLUSION (ENDT. GL-918).
This insurance does not apply to any "bodily injury," "property damage," or defense expense arising out of construction, remodeling, repair, or subcontracting work on any tract housing, condominium, townhouse, apartment building, dormitory, or mixed-use building containing residential units, or any structure converted to residential use at any time. Furthermore, all claims arising out of earth movement, soil settlement, underpinning, shoring, or subsidence are excluded in their entirety.

Optional — Deal Context or Special Concerns (e.g., "5-year retail lease in Texas" or "$40k fixed-fee dev build")

100% Stateless & Private • Replaces a $1,200 – $3,500 Risk Audit attorney review

Frequently Asked Questions

Why is ISO CG 22 94 fatal for a General Contractor or Custom Home Builder?

In a standard unendorsed ISO CG 00 01 policy, Exclusion l. ("Damage to Your Work") contains a vital exception: it does NOT exclude work performed on your behalf by a subcontractor. ISO CG 22 94 deletes that exception—meaning if your plumbing or roofing sub’s defective work ruins the building after completion, your GL carrier denies the entire claim.

How do I redline ISO CG 22 94 subcontractor work exclusion Action Over CG 21 39 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 22 94 Subcontractor Work & Action-Over Exclusion Audit" defense cartridge 100% anonymously—with zero account registration, zero email login, and stateless in-memory processing. EndorseIQ™ flags ISO CG 22 94 subcontractor work exclusion Action Over CG 21 39 exposure (typically $150,000 – $1,000,000+ in uninsured construction defect or injured worker claims; 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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Danger Score: 90/100

ISO CG 20 01 Primary & Non-Contributory + CG 24 04 Subrogation

Even when a contractor or vendor has a $1M GL policy and a $5M Umbrella policy, a missing ISO CG 20 01 (Primary and Non-Contributory) endorsement or an Umbrella "Other Insurance" clause can trigger "Horizontal Exhaustion"—allowing the subcontractor’s Umbrella carrier to refuse to pay until the upstream Owner’s and GC’s own primary policies are exhausted first. Similarly, an ISO CG 24 04 Waiver of Subrogation that requires a scheduled list instead of blanket wording leaves you open to carrier subrogation suits.

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Danger Score: 97/100

Construction Subcontractor Agreement Redline Auditor (Pay-if-Paid & Retainage)

General Contractor (GC) subcontracts are notoriously one-sided. A "Pay-if-Paid" clause means if the property owner gets into a dispute with the GC over something completely unrelated to your trade, the GC never has to pay you for your completed work and materials.

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Danger Score: 86/100

NDA & Confidentiality Agreement Redline Auditor (Residuals & Hidden Non-Solicits)

Enterprise counterparties regularly sneak a "Residuals Clause" into standard NDAs stating that anything their employees "retain in their unaided memory" after reading your pitch deck or source code can be freely used to build a competing product.

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Danger Score: 90/100

1099 Independent Contractor Agreement Redline Auditor

Many companies hand 1099 independent contractors a repurposed W-2 employee agreement that demands full-time exclusivity, claims ownership of everything you build on nights and weekends, and forces you to indemnify the company against their own business mistakes.

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