Products Liability and CG 24 07 01 96

Q

Does endorsement [IDL:CG 24 07 01 96^CG 24 07 01 96^CG 24 07 01 96] — Products/Completed Operations Hazard Redefined — need to be attached to a CGL form that covers a school or other risks where on-premises serving of food takes place? I have heard that the endorsement is only needed when the insured has operations that involve “substantial” exposure to products hazard on the insured's own premises; but, just what does “substantial” mean?

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