Coverage classification
- Form type
- Endorsements
- Topics
- Underlying Insurance
- Product lines
- Commercial Umbrella & Excess
Compare Maintenance of underlying insurance condition forms
| Form | Intent | Underlying coverage | Notable terms |
|---|---|---|---|
American Economy Insurance CompanyMaintenance of Underlying Insurance Endorsement PUM-4307/EP 1/25 Personal Umbrella | States that the policy’s maintenance condition continues when underlying liability coverage is deleted or reduced. | Refers to liability coverage on an underlying insurance policy. | The endorsement does not restate the underlying policy condition, so that condition must be read with it. |
Owners Insurance CompanyAmendment of Retained Limit Definition and Maintenance of Underlying Insurance Condition 26350 (10-18) Executive Umbrella | Replaces the retained limit definition and maintenance of underlying insurance condition. | Requires specified underlying coverage and at least the scheduled minimum primary limits. | Addresses notice, aggregate exhaustion and the insurer’s liability if the maintenance requirement is not met. |
Notable clauses
“even though liability coverage on any underlying insurance policy is deleted or reduced”
American Economy Insurance Company · Maintenance of Underlying Insurance Endorsement · PUM-4307/EP 1/25
Deleted or reduced coverage. The endorsement says the maintenance condition continues in effect in that situation.
“we shall be liable only to the extent we would have been liable had you complied”
Owners Insurance Company · Amendment of Retained Limit Definition and Maintenance of Underlying Insurance Condition · 26350 (10-18)
Failure to maintain. The form states this consequence for failure to comply with its maintenance requirement.
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