Which item is NOT included as an insured contract under the CGL insured contracts recap?

• A. Elevator maintenance
• B. Lease of premises
• C. Sidetrack agreement
• D. Easement or license agreement

Answer: (A)

The key idea is that an insured contract in a CGL policy is a contract in which the insured has promised to indemnify or assume liability for damages to a third party or their property arising from the insured’s operations or use of premises. The typical examples in the insured contracts recap—lease of premises, sidetrack agreement, and easement or license agreement—are all arrangements where the insured agrees to take on that kind of liability in connection with property or access, making them eligible as insured contracts.

Elevator maintenance agreements, however, are service-oriented contracts focused on maintaining equipment rather than agreements where the insured guarantees or assumes liability for damages to another party’s property resulting from the insured’s conduct. Because they don’t fit the usual indemnification-for-damages scenario described in the insured contracts recap, they are not included.