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Explosion, Collapse, and Underground Exclusions

Discusses coverage and underwriting for XCU exposures.

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Summary:  Under earlier versions of the ISO comprehensive general liability policy, property damage included within the explosion hazard, the collapse hazard, or the underground property damage hazard was specifically excluded.  However, under the current General Liability Coverage Form (CGL 00 01 04 13), such property damage is not excluded by the form itself; rather, the insurer must use an endorsement modifying the CGL form to exclude coverage for explosion, collapse, or underground property damage. This discussion focuses on these endorsements—CG 21 42 12 04, which specifically excludes coverage, and CG 21 43 12 04, which provides an exception to the exclusion.

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