PolicyDelta

Renewal Comparison Report

Insured: Harbor Point Plumbing LLC · Commercial General Liability

Expiring: GL-2025-481102 (eff. 2025-07-01)
Renewal: GL-2026-512339 (eff. 2026-07-01)
Report date: 2026-06-10 · Reviewed by: PolicyDelta QA

Items compared

High-impact changes

Moderate changes

Unchanged

Action recommended: a new subcontractor work exclusion (CG 22 94) was added and the blanket additional insured endorsement was removed. Both materially affect coverage for ongoing contractor operations — review with the carrier before binding.

High-impact changes

Item	Expiring policy	Renewal policy	Flag
Exclusion — Damage to Work Performed by Subcontractors Form CG 22 94 10 01	Not present	Added to forms schedule (item 14)	NEW EXCLUSION
Additional Insured — Owners, Lessees or Contractors (blanket) Form CG 20 33	Included	Removed — per-project AI endorsement (CG 20 10) offered at $250 each	REMOVED

Moderate changes

Item	Expiring policy	Renewal policy	Flag
Per-occurrence deductible (Property Damage)	$1,000	$2,500	INCREASED
Annual premium	$14,820	$17,140 (+15.7%)	INCREASED
Hired & Non-Owned Auto endorsement	Combined single limit $1,000,000	Combined single limit $500,000	REDUCED

Key items confirmed unchanged

Item	Value (both policies)	Flag
Each Occurrence Limit	$1,000,000	UNCHANGED
General Aggregate Limit	$2,000,000	UNCHANGED
Products/Completed Ops Aggregate	$2,000,000	UNCHANGED
Waiver of Subrogation (blanket)	Included — CG 24 04	CONFIRMED

+ 14 additional unchanged items verified (full forms schedule comparison available in the appendix of delivered reports).

Sample report. All names, policy numbers, and figures are fictional and for demonstration only. PolicyDelta reports support — but do not replace — professional coverage review by a licensed agent or broker.