Content area
Full text
The CG 00 09, Owners And Contractors Protective (OCP) Liability Coverage Form (for designated contractors) was developed by ISO for an important reason-to provide coverage for a named insured's vicarious liability. Specifically it protects an insured who is sued because of actions that another party performs on behalf (or at the request of) that insured. With an OCP policy, an insured is protected for harm or damage created by work that an independent contractor does for the insured. It also covers liability related to the insured's responsibility of supervising such contractors.
The named insured qualifies for this coverage only under certain conditions. An insured must own or be a tenant of the property upon which work is being performed. Another party that is eligible is another contractor for whom the designated contractor is performing operations. The liability protection under this form ends when the project or operations are completed. Further, the coverage applies only to a specific project and/or location.
The primary exposure under an OCP form is vicarious liability. This...