SPECIFICALLY SPEAKING | PREMISES LIABILITY
Navigating Boundaries
Exploring the ins and Outs of the Designated Premises Endorsement
By Kimberly Sullivan and David O’Connor
Wheredoescover- ageforoff-site premises-based exposuresbegin andend?When
dealing with liability claims for loca-tion-based insureds (e.g., condo associations, apartment complexes and
hospitality businesses), that depends
on whether the carrier has issued the
exclusionary Designated Premises
Endorsement.
First, some history. The tradition-
al means of defining the intended
scope of premises-based coverage
was the Owner, Landlord and Tenant
(OL&T) form. Location was the key
to the OL&T, which extended only to
losses arising out of the ownership,
maintenance or use of the insured
premises and all operations necessary
or incidental thereto. The premises
designation on the declarations page
