Endorsements

Severability of exclusions wording and examples

Severability of exclusions provisions address when one insured’s conduct or knowledge is attributed to another insured. Forms vary in who is protected and which exclusions are affected.

Coverage classification

Form type
Endorsements

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FormIntentInsured personsEntity treatment

Westfield Insurance Company

Severability of Exclusions Endorsement

CML 01307 0325

Directors and Officers Liability

Replaces a provision governing attribution when applying specified exclusions.Conduct of one insured is not imputed to any insured person for the specified exclusions.Only conduct of the entity’s control group is imputed to the entity or its subsidiary, subject to an adjudication qualification.

Starr Indemnity and Liability Company

Severability of Exclusions (Insured Persons)

FL SSDO-0310 01 26

Directors and Officers Liability

Adds a severability provision for insured persons.Facts, knowledge or wrongful acts of one insured person are not imputed to another insured person for the specified exclusions.This endorsement addresses insured persons and excepts two exclusions from its severability rule.

Notable clauses

“only the conduct of the Control Group of an Insured Entity shall be imputed”

Westfield Insurance Company · Severability of Exclusions Endorsement · CML 01307 0325

Entity control group. The rule is qualified when the insured entity is adjudicated in its own right.

“shall not be imputed to any other Insured Person”

Starr Indemnity and Liability Company · Severability of Exclusions (Insured Persons) · FL SSDO-0310 01 26

Insured persons. The wording applies to facts, knowledge and wrongful acts, with two listed exclusions excepted.

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