IM 7988 Earthquake, Earth Movement, And Flood Coverages Endorsement - Civil Works Project

An American Association of Insurance Services (AAIS) standard form. It adds earthquake, earth movement and flood coverage for civil works project contract works when limits for them are shown on its schedule, with separate occurrence and catastrophe limits, optional delay in completion coverage, and a 168-hour occurrence period.

1. 06 26 edition

   Jun 2026, compared with 09 15Latest edition

   • A percentage deductible option is added for earthquake and earth movement, figured as a percentage of the value of the covered property involved in the loss, applied separately to each jobsite, with optional minimum and maximum amounts.

     09 15

     Not in this edition

     06 26

     “applying the percentage indicated on the schedule to the value of the covered property that is involved in the loss”

   • For the percentage deductible, property value is set at the time of loss under the policy's valuation terms, not the estimated completion value.

     09 15

     Not in this edition

     06 26

     “The value of covered property is not based on the estimated completion value of the covered property.”

• Edition in use: in the past 12 months, 2 companies filed the 06 26 edition and 1 company filed 09 15.
• IM 79 89 (Earthquake, Earth Movement, and Flood Schedule - Civil Works Project) is filed alongside it most often, in 69 of the same filings (100%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• IM 79 89Earthquake, Earth Movement, and Flood Schedule - Civil Works Project69 filings
• IM 79 72Earth Movement and Flood Coverage Endorsement68 filings
• IM 79 76Earth Movement and Flood Schedule68 filings
• IM 70 85Earthquake and Flood Coverage Endorsement67 filings
• IM 70 86Earthquake and Flood Schedule67 filings
• IM 79 80Builders' Risk Coverage - Civil Works Project Form36 filings
• IM 79 81Schedule Of Coverages - Builders' Risk -- Civil Works Project36 filings
• IM 79 82Delay In Completion Coverage Part - Civil Works Project36 filings
• IM 79 83Delay In Completion Schedule - Civil Works Project36 filings
• IM 79 86Contract Penalty Endorsement - Civil Works Project36 filings