Product background
Commercial umbrella and excess liability provides limits above primary commercial coverage, self-insured retentions, or known gaps in underlying liability programs.
Umbrella and excess filing research should separate follow-form excess coverage from broader umbrella wording, then compare retained limits, underlying insurance schedules, exclusions, and drop-down or gap-filling language.
What forms make up a commercial umbrella and excess policy
An ISO commercial umbrella and excess policy is built from coverage forms, a declarations page and endorsements. The coverage forms filed by the most carrier groups are CU 00 01 Commercial Liability Umbrella Coverage Form (edition 06 26, filed by 35 carrier groups) and CX 00 01 Commercial Excess Liability Coverage Form (29). CU DS 01 Commercial Liability Umbrella Declarations and CX DS 01 Commercial Excess Liability Declarations are the declarations pages. Widely filed endorsements include CU 34 54 Exclusion - Perfluoroalkyl and Polyfluoroalkyl Substances (PFAS) (44), CU 24 03 Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation) (39), and CU 34 44 Broad Abuse or Molestation Exclusion (34).
All ISO CU formsAll ISO CX formsCommercial umbrella and excess forms by insurer
Common filing signals
- Umbrella and excess policy forms, declarations, schedules, and underlying insurance requirements
- Follow-form, retained limit, drop-down, defense, and aggregate limit provisions
- Pollution, professional liability, cyber, abuse, prior acts, and terrorism exclusions
Rate impact
| State | Filings | Avg |
|---|---|---|
| IN | 29 | +12.2% |
| WI | 27 | +8.9% |
| TN | 26 | +13.1% |
| GA | 25 | +12.7% |
| MD | 22 | +12.3% |
| ID | 21 | +17.6% |
| CT | 20 | +14.6% |
| OH | 18 | +9.5% |
| Carrier | Avg | Filings |
|---|---|---|
| Columbia Insurance Group6 states | +46.4% | 6 |
| Markel Corporation Group11 states | +45.0% | 13 |
| MMG Insurance Company3 states | +40.0% | 3 |
| American Family Insurance Group17 states | +36.8% | 19 |
| Brookfield Wealth Solutions Group18 states | +32.6% | 22 |
| State Farm Group10 states | +31.1% | 10 |
| Alliance Insurance Group6 states | +29.6% | 12 |
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Jul 2, 2026 | Hannover Group | HI | Hci Umbrella Advantage Program | +93.4% | +140.0% |
| Oct 22, 2026 | Selective Insurance Group | ID | Umbrella Ilf Increase, Cw | +86.0% | +19.7% |
| Feb 17, 2026 | Alliance Insurance Group | CO | Cu-Co-10701/Ra | +69.2% | +178.7% |
| Oct 1, 2026 | American Family Insurance Group | VT | Rpg Umbrella Rate Revision | +67.0% | +100.0% |
| Jul 23, 2026 | Columbia Insurance Group | TN | Commercial Umbrella | +63.7% | +250.0% |
| Feb 17, 2026 | Alliance Insurance Group | SD | Cu-Sd-10701 | +61.1% | +67.9% |
| Jun 29, 2026 | Mt. Morris Mutual Group | WI | Personal & Commercial Umbrella Rates & Farm Umbrella Manual Pages 07 26 | +60.0% | +67.0% |
| Jul 23, 2026 | Columbia Insurance Group | KY | Commercial Umbrella | +58.3% | +127.3% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Commercial Umbrella/Excess | AXA Insurance Group | Revised | 84 | Nov 10, 2026 |
| Umbrella | Amtrust Financial Services Group | Revised | 83 | Nov 10, 2026 |
| Excess Liability | Acuity, A Mutual Insurance Company | Revised | 50 | Nov 10, 2026 |
| Cu & Cx Multistate Human Trafficking & Abuse or Molestation Exclusion (Ssp, Bei, Idi) | WR Berkley Corporation Group | Revised | 47 | Nov 10, 2026 |
| Commercial Umbrella | Farmers Insurance Group | Revised | 44 | Nov 10, 2026 |
| Commercial Umbrella | Fcci Mutual Insurance Group | Revised | 16 | Nov 10, 2026 |
Top carriers
Top states
Insurance forms library
Form programs
Form examples
- CU 34 54: Exclusion - Perfluoroalkyl and Polyfluoroalkyl Substances (PFAS)
- CU 21 86: Exclusion – Access Or Disclosure Of Confidential Or Personal Material Or Information
- CU 00 05: Exclusion - Violation of Law Addressing Data Privacy
- CU 34 56: Exclusion – Cyber Incident
- CX DS 01: Commercial Excess Liability Declarations
- CU DS 01: Commercial Liability Umbrella Declarations