Glossary

A designated construction project general aggregate limit endorsement modifies a commercial general liability (CGL) insurance policy to make the general aggregate limit apply separately to each designated construction project. This enables a contractor to comply with contractual requirements to maintain a specified amount of insurance applicable to a specific project. This endorsement does not affect the policy's other limits, including the products-completed operations aggregate limit. The standard Insurance Services Office version of this endorsement is endorsement CG 25 03. A separate designated project(s) products-completed operations aggregate limit endorsement can be used to make a similar adjustment to the completed operations aggregate limit.

As identified in an owners and contractors protective (OCP) liability policy, the designated contractor purchases the insurance on behalf of the party for which it is performing work. The designated contractor is not itself an insured under the OCP policy.

Designated employees refers to employees of the insured railroad under a railroad protective (RRP) liability policy who are directly involved in the work performed by the railroad's contractor. RRP coverage applies to liability of the railroad arising from negligent acts of "designated employees" and from injury to "designated employees."

A designated insured endorsement is an optional endorsement available for commercial auto policies that allows for listing entities who ask to be named insureds for vicarious liability under the policy.

A designated operations exclusion endorsement is used to exclude coverage under the commercial general liability (CGL) policy for specific operations. The Exclusion—Designated Ongoing Operations Endorsement (CG 21 53) can be used to remove coverage for either operations in progress at a specified location or all ongoing operations performed by or on behalf of the named insured. The Exclusion—Designated Operations Covered by a Consolidated (Wrap-Up) Insurance Program Endorsement (CG 21 54) excludes operations with respect to listed projects for which the insured contractor has been provided coverage under a wrap-up insurance program. Endorsement CG 21 53 can also be used to exclude only the contractor's ongoing operations on a wrap-up project, which preserves completed operations coverage with respect to these projects, as most wrap-up programs provide only limited completed operations coverage.

A designated pollutant is an air pollutant that is neither a criteria nor hazardous pollutant, as described in the Clean Air Act, but for which new source performance standards exist. The Clean Air Act does require states to control these pollutants, which include acid mist, total reduced sulfur (TRS), and fluorides.

Designated Underwriting Authority Enterprises (DUAE), as promulgated by A.M. Best, is used as a performance assessment to evaluate an entity’s relative ability to perform services on behalf of its insurance partners. Examples include managing general agents (MGAs), managing general underwriters (MGUs), coverholders, program administrators, program underwriters, underwriting agencies, direct authorizations, and appointed representatives. Factors evaluated include sustained growth and global resilience, sufficient capacity, expertise, talent, and technology.

The designated workplaces exclusion endorsement is a standard workers compensation endorsement (WC 00 03 02) that removes coverage for injuries sustained at workplaces listed in the endorsement. Commonly used on contractors' policies to exclude coverage with respect to projects on which the contractor is covered under a wrap-up insurance program. (The designated operations exclusion endorsement is a similar endorsement that can be used to do likewise with respect to commercial general liability insurance.)

Designer bugs is a popular term for microbes developed through biotechnology that can degrade specific toxic chemicals at their source in toxic waste dumps or in groundwater.

Design build-professional liability insurance affords professional liability coverage for firms that function as both the designer and general contractor on a construction project.