ISO commercial umbrella forms

Overview

ISO's commercial umbrella program adds liability limits above a business's primary general liability, auto and employers liability policies. CU 00 01, the coverage form, pays damages above the underlying insurance and, under its own insuring agreements, also above a retained limit for some claims the underlying policies do not cover. The most filed endorsements remove specific exposures: PFAS (CU 34 54), abuse or molestation (CU 34 44, CU 34 45), ride-sharing and delivery driving (CU 21 90), cannabis (CU 34 22, with hemp exceptions in CU 34 23), silica (CU 21 50), fungi or bacteria (CU 21 27), communicable disease (CU 21 58), and named products (CU 21 43) or work (CU 21 03). Others waive subrogation for parties named in a schedule or required by contract (CU 24 03, CU 24 80), cover newly acquired or formed LLCs automatically (CU 24 81), narrow contractual liability (CU 21 07) and fit the umbrella to truckers and motor carriers (CU 22 36, CU 22 37).

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