What Are Commercial Umbrella
Insurance Endorsements?

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What Are Commercial Umbrella Insurance Endorsements?

What Are Commercial Umbrella Insurance Endorsements?

What Are Commercial Umbrella Insurance Endorsements?. A commercial umbrella insurance endorsement can either add, remove or exclude certain coverages. It's a form that becomes part of your insurance policy, altering your policy coverage.

For example, any changes made to the basic policy the commercial insurance carrier files with the state regulators is done by using endorsements. Common changes might include: Changing the business address, adding more coverage, excluding coverage for specific exposures. Commercial Umbrella Endorsements allow you to make these changes - without having to buy another policy or take the chance of having risks go uninsured.

So what are commercial umbrella insurance endorsements? Read on to discover the many types of endorsements available for commercial umbrella insurance policies.

What are commercial umbrella insurance endorsements? Endorsements modify the basic Commercial Liability Umbrella Policy to either add, delete, or exclude certain types of coverage.

COMMERCIAL LIABILITY UMBRELLA ENDORSEMENTS NUMBERING


So what are commercial umbrella insurance endorsements?. They are arranged by form number and title; the list includes a brief explanation of the use for each form. This section does not include any state specific endorsements, changes, or amendments.

The ten-digit numbering sequence of ISO forms and endorsements has a very specific meaning:
  • The first two entries are alphabetical characters that indicate the line of insurance involved. For example, CU denotes Commercial Liability Umbrella.
  • The next two digits designate the specific insurance category. Additional detail and information on these categories are in the next section below.
  • The next two digits are the form or endorsement number within the insurance category.
  • The last four digits are the edition date of the form or endorsement expressed in month and year format. These digits are not used in this analysis.

Form Endorsement
CU 01Amendatory Endorsements
CU 02Termination And Suspension Endorsements
CU 04Additional Coverage Endorsements
CU 21Exclusion Endorsements
CU 22Special Provisions For Certain Types Of Risks Endorsements
CU 24Additional Coverage Endorsements
CU 27Claims Made Endorsements
CU 31Limits Endorsements
CU 35Exclusion Endorsements


What Are CU 01 - Amendatory Endorsements?

The CU 01 - Amendatory Endorsements are as follows:

CU 01 09-Condominiums

This endorsement changes policy terms to protect the rights of condominium unit owners.

What Are CU 02 - Termination And Suspension Endorsements?

The CU 02 - Termination And Suspension Endorsements are as follows:

CU 02 04-Earlier Notice of Cancellation Provided By Us

This endorsement changes the 30-day cancellation provision in the Common Policy Conditions for other than non-payment of premium to the number of days entered in the space provided for any statutorily permitted reason. It is used to increase the number of days of notice to be more than the number that state law requires.

What Are CU 04 - Additional Coverage Endorsements?

The CU 04 - Additional Coverage Endorsements are as follows:

CU 04 00-Coverage for Injury to Leased Workers

This buy back endorsement provides bodily injury and property damage coverage for leased workers by amending the definition of employee to exclude leased workers but only as it relates to bodily injury and property damage coverage in the employer's liability exclusion.

CU 04 01-Year 2000 Computer-Related and Other Electronic Problems-Limited Coverage Options

This endorsement excludes coverage for losses that result from year 2000 computer-related and other electronic problems. It then provides buy back coverage for coverages and locations on the endorsement schedule. It is used in place of CU 21 18-Exclusion-Year 2000 Computer-Related And Other Electronic Problems.

CU 04 02-Electronic Data Liability Endorsement

This endorsement adds coverage for third party claims and/or lawsuits for property damage to data stored, read, generated, created, or used with computer systems in any way. The limit of insurance on the endorsement schedule is a sub-limit to the umbrella occurrence limit. In turn, it is subject to the liability umbrella coverage form aggregate limit. It should be attached when CG 04 37-Electronic Data Liability is on the underlying policy.

Note: Endorsements CU 21 86, CU 21 87 and CU 21 88 cannot be attached when CG 04 02 is attached.

CU 04 03-Employee Benefits Liability Coverage

This endorsement covers losses due to acts, errors, or omissions in administering the named insured's employee benefit program. Coverage applies on a claims-made basis. The limit of insurance that applies to each employee, the aggregate limit, the retained limit, retroactive date, and premium charged must all be entered on the endorsement schedule.

Note: If Employee Benefits Liability Coverage is provided by other than the ISO coverage form, it is important to compare coverages in order to prevent gaps in coverage. It is also important to determine if underlying coverage is on an occurrence or a claims-made basis.

CU 04 12-Condominiums, Co-ops, Associations-Directors and Officers Liability Coverage

The endorsement is a Directors and Officers coverage form. It includes a schedule to enter the aggregate limit, retained, limit, pending or prior litigation date, and retroactive date. It provides coverage on a claims-made basis.

CU 04 23-Excess Auto Dealers Acts, Errors or Omissions Liability Coverages

This endorsement provides excess coverage over Section III-Acts, Errors or Omissions Liability Coverages in the Auto Dealers Coverage Form. The endorsement provides the option to exclude specific types of acts, errors or omissions while still covering the others.

What Are CU 21 - Exclusion Endorsements?

The CU 21 - Exclusion Endorsements are as follows:

CU 21 00-Exclusion-All Hazards In Connection With Designated Premises

This endorsement excludes all coverage for locations listed and described on the endorsement schedule. It is used to eliminate a location considered uninsurable or a location that another policy covers. The reduction in premium for using this endorsement is handled by reducing the exposure base and/or classification that would have been used for that location. It should be attached when CG 21 00 is on the underlying policy.

CU 21 01-Exclusion-Athletic or Sports Participants

This endorsement excludes coverage for bodily injury to any person who practices for or participates in any sporting or athletic contest or event described that the named insured sponsors on the endorsement schedule. It should be attached when CG 2101 is on the underlying policy.

CU 21 02-Exclusion-Products-Completed Operations Hazard

This endorsement excludes coverage for bodily injury or property damage included in the products-completed operations hazard. It should be attached when CG 21 04 is on the underlying policy.

CU 21 03-Exclusion-Designated Work

This endorsement excludes coverage for bodily injury or property damage included in the products-completed operations hazard that arises out of the named insured's work listed on the endorsement schedule. It should be attached when CG 21 34 is on the underlying policy.

CU 21 04-Exclusion-New Entities

This endorsement eliminates the part of Section II-Who is An Insured that extends limited coverage to new entities. It should be attached when CG 21 36 is on the underlying policy.

CU 21 05-Exclusion-Employees and Volunteer Workers as Insureds

This endorsement excludes employees and volunteer workers as insureds. It also amends the aircraft or watercraft exclusion. It should be attached when CG 21 37 is on the underlying policy. The aircraft or watercraft exclusion is amended to remove coverage for volunteers or employees using any aircraft or watercraft. The recent change specifically lists every unmanned aircraft-related endorsement which contains the aircraft exclusion and modifies those too.

CU 21 06-Exclusion-Personal and Advertising Injury

This endorsement excludes Personal and Advertising Injury Liability and all references to it. It should be attached when CG 21 38 is on the underlying policy.

CU 21 07-Contractual Liability Limitation

This endorsement replaces the definition of Insured Contract to include only certain, specific written contracts. The covered contracts include lease of premises (except for fire damage), sidetrack agreements, easement or license agreements, obligations required by ordinance to indemnify a municipality (except for work in connection with the municipality), and elevator maintenance agreements. It also extends the definition of Insured Contract to include certain auto lease or rental agreements. It should be attached when CG 21 39 is on the underlying policy.

CU 21 08-Exclusion-Intercompany Products Suits

This endorsement excludes coverage for bodily injury or property damage that arises from a product when one insured named on the coverage form or policy sues another insured named on the same coverage form or policy.

CU 21 09-Exclusion-Explosion, Collapse, and Underground Property Damage Hazard (Specified Operations)

This endorsement eliminates property damage coverage for explosion, collapse, and/or underground hazards that the endorsement describes. The excluded hazard(s) and the location(s) and operation(s) involved must be entered on the endorsement schedule. It should be attached when CG 21 42 is on the underlying policy.

CU 21 10-Exclusion-Explosion, Collapse, and Underground Property Damage Hazard (Specified Operations Excepted)

This endorsement eliminates property damage coverage for explosion, collapse, and underground hazards except at the location(s) and for the operation(s)on the endorsement schedule. It should be attached when CG 21 43 is on the underlying policy.

CU 21 11-Limitation of Coverage to Designated Premises or Project

The endorsement limits the liability coverage provided to the specific premises or projects on the endorsement schedule. It should be attached when CG 21 44 is on the underlying policy.

CU 21 12-Abuse or Molestation Exclusion

Abuse or molestation of a person while that person is in an insured's care, custody, or control is excluded. The insured's vicarious liability is also excluded. This endorsement should be attached when CG 21 46 is on the underlying policy.

CU 21 13-Amendment of Liquor Liability Exclusion

In addition to those that manufacture, sell, or distribute alcohol, this endorsement also excludes liquor-related liability coverage to parties that furnish alcohol for a charge and to parties that serve alcohol without a charge but for whom a license is required. It also excludes liquor related liability for operations where persons can bring their own alcohol on the premises and consume it there. This endorsement should be attached when CG 21 50 is on the underlying policy.

If there is underlying liquor liability coverage, the liability umbrella coverage form follows the underlying coverage.

CU 21 14-Amendment of Liquor Liability Exclusion-Exception for Scheduled Activities

This endorsement modifies the liquor liability exclusion similar to CU 21 13-Amendment of Liquor Liability Exclusion. However, it includes coverage for certain specifically described activities, such as company picnics or year-end parties where alcohol may be provided, or persons may be permitted to bring their own alcoholic beverages to consume. It should be attached when CG 21 51 is on the underlying policy.

Note: If there is underlying liquor liability coverage, the liability umbrella coverage form follows form with respect to that underlying coverage.

CU 21 15-Exclusion-Financial Services

This endorsement excludes coverage for losses that result from any insured providing or failing to provide financial services to others. It includes examples of financial services, but the listing is not exhaustive. It also excludes claims for negligence in hiring, employing, training, or monitoring of those who provide the financial services. It should be attached when CG 21 52 is on the underlying policy.

CU 21 16-Exclusion-Designated Ongoing Operations

All bodily injury and property damage that results from the ongoing operation scheduled in this endorsement is excluded. If a location is scheduled, only the listed operations at that location are excluded. If a location is not scheduled, the listed operations are excluded wherever the insured performs them. This should be attached when CG 21 53 is on the underlying policy.

CU 21 17-Exclusion-Designated Operations Covered By A Consolidated (Wrap-Up) Insurance Program

This endorsement excludes all ongoing operations and products-completed operations performed at the designated location and that are part of a wrap-up. The description and location of the operation must be scheduled. This exclusion applies even if the wrap-up limits are used up, are still in effect, or have the same coverage. It should be attached when CG 21 54 is on the underlying policy.

CU 21 18-Exclusion-Year 2000 Computer-Related and Other Electronic Problems

Attaching this endorsement adds exclusions to eliminate coverage for liability that results from Year 2000 computer and similar types of electronic problems. This endorsement should be attached when CG 22 31 is on the underlying policy. CU 04 01-Year 2000 Computer-Related And Other Electronic Problems-Limited Coverage Options can be used to provide limited coverage.

CU 21 19-Exclusion-Year 2000 Computer-Related and Other Electronic Problems-Products-Completed Operations

Attaching this endorsement adds exclusions to eliminate products-completed operations coverage for the liability resulting from Year 2000 computer and similar type electronic problems. This should be attached when CG 21 61 is on the underlying policy.

CU 21 20-Exclusion-Year 2000 Computer-Related and Other Electronic Problems-With Exception for Bodily Injury on Your Premises

Attaching this endorsement adds exclusions to eliminate coverage for the liability resulting from year 2000 computer and similar type electronic problems. However, if such bodily injury loss occurs on the named insured's premises, there is coverage. This should be attached when CG 21 62 is on the underlying policy.

CU 21 21-Exclusion-Year 2000 Computer-Related and Other Electronic Problems-Exclusion of Specified Coverages for Designated Locations, Operations, Products, or Services

Attaching this endorsement adds exclusions to eliminate coverage for liability that results from Year 2000 computer and similar types of electronic problems but only for the coverages entered and at the location or for the operation or product on the endorsement schedule. This endorsement should be attached when CG 21 63 or CG 21 64 are on the underlying policy.

CU 21 23-Nuclear Energy Liability Exclusion Endorsement (Broad Form)

This endorsement excludes all losses caused by or that result from the hazardous properties of nuclear materials. It defines Hazardous Properties, Nuclear Material, Source Material, Spent Fuel, Waste, Nuclear Facility, Nuclear Reactor, and Property Damage. It should be attached when IL 00 21 is on the underlying policy.

CU 21 24-Exclusion-Non-owned Aircraft

This endorsement eliminates the exemption for chartered non-owned aircraft. Because the extension of the exclusion to include chartered non-owned aircraft is in the umbrella and not in the CGL coverage form, attaching this endorsement makes the umbrella and the CGL aircraft and watercraft exclusions nearly identical. The recent change specifically lists every unmanned aircraft-related endorsement which contains the aircraft exclusion and eliminates the exemption in those.

CU 21 25-Total Pollution Exclusion Endorsement

The pollution exclusion in the liability umbrella coverage form provides following form coverage if an underlying coverage form or policy provides pollution coverage. This exclusion removes the following form language to completely exclude pollution coverage in the liability umbrella coverage form.

CU 21 26-Exclusion-Cross Suits Liability

The endorsement excludes coverage when one insured named on the coverage form or policy sues another insured named on the same coverage form or policy for bodily injury, property damage, or personal and advertising injury. It is similar to CU 21 08-Exclusion-Intercompany Products Suits except that it applies to all bodily injury, property damage, and personal and advertising injury claims instead of being limited to only products claims.

CU 21 27-Fungi or Bacteria Exclusion

This endorsement excludes any bodily injury, property damage, or personal and advertising injury related to fungi and bacteria. It does not apply to any fungi or bacteria on or contained in a product intended for bodily consumption. It should be attached when CG 21 67 is on the underlying policy.

CU 21 30-Caps on Loss From Certified Acts of Terrorism

CU 21 31-Exclusion of Other Acts of Terrorism Committed Outside the United States: Cap on Losses from Certified Acts of Terrorism

CU 21 33-Exclusion of Certified Acts of Terrorism

CU 21 35-Exclusion of Certified Acts of Terrorism and Exclusion of Other Acts of Terrorism Committed Outside the United States.

CU 21 36-Exclusion of Punitive Damages Related to a Certified Act of Terrorism

CU 21 40-Exclusion of Certified Acts of Nuclear, Biological Chemical or Radiological Acts of Terrorism; Cap on Losses From Certified Acts of Terrorism

CU 21 41-Exclusion-Counseling Services

This endorsement excludes coverage for bodily injury, property damage, or personal and advertising injury related to counseling or advisory services in the area of mental health, drug and alcohol rehabilitation, and similar disciplines. It should be attached when CG 21 57 is on the underlying policy.

CU 21 42-Exclusion-Exterior Insulation and Finish Systems

This endorsement excludes coverage for bodily injury, property damage, and personal and advertising injury that arises from use of exterior insulation and finish systems (EIFS). It should be attached when CG 21 86 is on the underlying policy.

CU 21 43-Exclusion-Designated Products

This endorsement excludes coverage for bodily injury or property damage included in the products-completed operations hazard that arise out of only the named insured's products listed on the endorsement schedule. It should be attached when CG 21 33 is on the underlying policy.

CU 21 44-Conditional Exclusion of Terrorism (Relating to the Disposition of Federal Terrorism Risk Insurance Act)

CU 21 45-Conditional Exclusion of Terrorism Involving Nuclear, Biological or Chemical Terrorism Relating to the Disposition of Federal Terrorism Risk Insurance Act

CU 21 46-Exclusion of Terrorism

CU 21 47-Exclusion of Terrorism Involving Nuclear, Biological or Chemical Terrorism

CU 21 48-Extended Reporting Period For Terrorism Coverage

CU 21 49-Exclusion-Professional Veterinarian Services

This endorsement eliminates coverage for bodily injury, property damage, or personal and advertising injury related to veterinarian's services as the endorsement defines. It should be attached when CG 21 58 is on the underlying policy.

CU 21 50-Silica or Silica-related Dust Exclusion

This endorsement excludes liability coverage for losses that arise out of any aspect or element of silica or silica-related dust. It defines silica and silica-related dust. It should be attached when CG 21 96 is on the underlying policy.

CU 21 51-Total Pollution Exclusion with a Hostile Fire Exception

This endorsement replaces the pollution exclusion in the liability umbrella coverage form. It is a total pollution exclusion. However, it includes a limited exception for loss due to of heat, smoke, or fumes from a hostile fire.

Note: The underlying pollution coverage in the liability umbrella coverage form does not apply when this exclusion is used. This means that, while the hostile fire exception is provided, any coverage that may have been available in the underlying pollution coverage is not available.

CU 21 52-Total Pollution Exclusion with a Building Heating, Cooling, and Dehumidifying Equipment Exception and a Hostile Fire Exception

This endorsement replaces the pollution exclusion in the liability umbrella coverage form. It is a total pollution exclusion. However, it has three exceptions. The exclusion does not apply to injury from any smoke, fumes, vapor, or soot released by building heating, cooling, or dehumidifying equipment. It does not apply to injury from any smoke, fumes, vapor, or soot released by equipment that heat water for personal use. It also does not apply to injury or damage from the heat, smoke, or fumes that result from a hostile fire.

Note: The underlying pollution coverage in the liability umbrella coverage form does not apply when this exclusion is used. This means that, while there are exceptions, any coverage that may have been available in the underlying pollution coverage is not available.

CU 21 55-Amended Terrorism Coverage - Covered Auto

CU 21 56-Auto Exclusion of Terrorism Coverage

CU 21 58-Communicable Disease Exclusion

This endorsement excludes losses that arise out of alleged or actual transmission of communicable diseases, regardless of the cause or responsibility. It should be attached when CG 21 32 is on the underlying policy.

CU 21 59-Exclusion-Diagnostic Testing Laboratories

All liability for medical or diagnostic testing is excluded. In addition, liability for procedures and techniques that may be used with detection, diagnosing, or treating are excluded. This exclusion applies to every aspect, including reporting results, monitoring, and supervisory activities. It should be attached when CG 21 59 is on the underlying policy.

CU 21 61-Auto Dealers Exclusion - Designated Products

This endorsement excludes coverage for bodily injury or property damage included in the products-completed operations hazard that arise out of only the named insured's products that are listed on the endorsement schedule. The injury must occur off the premises. It should be attached when CG 25 51 is on the underlying policy. This should not be attached when CU 21 66 is attached.

CU 21 64-Auto Dealers Exclusion - Designated Work

This endorsement excludes coverage for bodily injury or property damage included in the products-completed operations hazard that arises out of the named insured's work listed on the endorsement schedule. The injury must occur off the premises. It should be attached when CG 25 56 is on the underlying policy. This should not be used with CU 21 66 is attached.

CU 21 66-Auto Dealers Exclusion - Your Products and Your Work

This endorsement excludes coverage for bodily injury or property damage included in the products-completed operations hazard that arises out of the named insured's work and or the named insured's products. The injury must occur off the premises. It should be attached when CG 25 55 is on the underlying policy. This should not be used when either CU 21 61 or CU 21 64 is attached.

CU 21 70-Abuse Or Molestation Exclusion-Specified Professional Services

This endorsement excludes coverage for abuse or molestation losses that arise from professional services described on the endorsement schedule. As a result, coverage continues to apply to other types of abuse and molestation claims. It should be used when CG 21 97 is on the underlying policy.

CU 21 71-Exclusion-Unmanned Aircraft

This endorsement amends the Aircraft, Auto or Watercraft exclusion to also exclude unmanned aircraft. The term unmanned aircraft is defined, and the unmanned aircraft part of the exclusion also applies to personal and advertising injury. It should be used when CG 21 09 is on the underlying policy.

CU 21 72-Exclusion-Unmanned Aircraft (Coverage A Only)

This endorsement amends the Aircraft, Auto or Watercraft exclusion to also exclude unmanned aircraft. The term unmanned aircraft is defined. It should be used when CG 21 10 is on the underlying policy.

CU 21 73-Exclusion-Unmanned Aircraft (Coverage B Only)

This endorsement excludes personal and advertising coverage due to unmanned aircraft. The term unmanned aircraft is defined. It should be used when CG 21 11 is on the underlying policy.

CU 21 74-Exclusion - Unmanned Aircraft - Limited Following Form Exception

This endorsement is identical to CU 21 71 except that it contains a follow form exception to the exclusion. If valid underlying insurance exists for an unmanned aircraft, coverage applies on the same basis as the underlying with certain limitations.

CU 21 75-Exclusion-Insurance and Related Operations

This endorsement excludes the professional obligations of an insurance agent or broker listed in the endorsement. It also excludes supervisory activities related to these activities. It should be used when CG 22 48 is on the underlying policy.

CU 21 81-Exclusion - Unmanned Aircraft - Limited Following Form Exception (Coverage A Only)

This endorsement is identical to CU 21 72 except that it contains a follow form exception to the exclusion. If valid underlying Coverage A insurance exists for an unmanned aircraft, Coverage A insurance applies on the same basis as the underlying with certain limitations. Coverage B remains excluded.

CU 21 84-Limited Exclusion-Designated Operations Covered By A Consolidated (Wrap-Up) Insurance Program

This endorsement excludes losses that arise out of the named insured's ongoing operations or those included in the products-completed operations hazard. It applies only to operations listed and described on the endorsement schedule covered under a consolidated (wrap-up) program that the project owner or the prime contractor/project manager provides. However, this exclusion does not apply if the wrap-up program ceases to exist except for its limit being used up. It should be attached when CG 21 31 is on the underlying policy.

Note: This is a good alternative to CU 21 17-Exclusion-Designated Operations Covered By A Consolidated (Wrap Up) Insurance Program.

CU 21 86-Exclusion-Access or Disclosure of Confidential or Personal Information and Data-related Liability-With Limited Bodily Injury

This mandatory endorsement excludes all damages, except for bodily injury, that are due to cyber security related items such as the disclosure of nonpublic information. It also excludes all damages that are due to electronic data use and access. It should be used when CG 2106 is on the underlying policy.

Note: Endorsements CU 04 02, CU 21 87 and CU 21 88 cannot be attached when CG 21 86 is attached.

CU 21 87-Exclusion-Access or Disclosure of Confidential or Personal Information and Data-Related Liability - Limited Bodily Injury Exception Not Included

This endorsement can be used in place of the CU 21 86. It excludes all damages, including bodily injury, that are due to cyber security related items such as the disclosure of nonpublic information. It also excludes all damages that are due to electronic data use and access. It should be used when CG 21 07 is on the underlying policy.

Note: Endorsements CU 04 02, CU 21 86 and CU 21 88 cannot be attached when CG 21 87 is attached.

CU 21 88-Exclusion-Access of Disclosure of Confidential or Personal Information (Coverage B Only)

This endorsement can be used in place of the CU 21 86. It excludes only personal and advertising injury damages that are due to cyber security related items such as the disclosure of nonpublic information.

It should be used when CG 21 08 is on the underlying policy.

Note: Endorsements CU 04 02, CU 21 86 and CU 21 87 cannot be attached when CG 21 88 is attached.

CU 21 89-Public or Livery Passenger Conveyance Exclusion

All coverage is excluded when a covered auto is logged into a transportation network platform so that it can be used as a public livery vehicle. This exclusion applies even when no passenger is in the covered auto. This should be attached when CA 23 44 is attached to the underlying.

CU 21 90-Public or Livery Passenger Conveyance and On-demand Delivery Service Exclusion

This is even more limiting that CU 21 89. In addition to no coverage applying when a covered auto is logged in a transportation network platform, there is no coverage when logged into a delivery network platform regardless of whether items to be delivered are in the covered auto at the time of the loss.

This should be attached when CA 23 45 is attached to the underlying.

CU 21 91-Exclusion - Unmanned Aircraft - Following Form Exception (Coverage B Only)

This endorsement is identical to CU 21 73 except that it contains a follow form exception to the exclusion. If valid underlying Coverage B insurance exists for an unmanned aircraft, Coverage B insurance applies on the same basis as the underlying. Coverage A remains excluded.

What Are CU 22 - Special Provisions For Certain Types Of Risks Endorsements?

The CU 22 - Special Provisions For Certain Types Of Risks Endorsements are as follows:

CU 22 00-Exclusion-Bodily Injury to Railroad Passengers

This endorsement excludes coverage for bodily injury to any passenger while getting on, while aboard, or getting off a passenger railroad train. It should be used when CG 22 27 is on the underlying policy.

CU 22 01-Exclusion-Property Entrusted

This endorsement excludes coverage for property damage to property of others entrusted to the named insured. The endorsement schedule is pre-filled so that the only operations excluded are security and patrol agencies, mini-warehouses, and cold individual storage locker warehouses. It should be attached when CG 22 29 is on the underlying policy.

CU 22 02-Exclusion-Corporal Punishment

This endorsement excludes all coverage when corporal punishment is administered to the named insured's student by or at the direction of any insured. It should be attached when CG 22 30 is on the underlying policy.

Note: Coverage is available under CU 22 19-Corporal Punishment.

CU 22 03-Exclusion-Riot, Civil Commotion, or Mob Action-Governmental Subdivisions

This endorsement excludes all coverage for injury or damage that results from riot, civil commotion, or mob action. The omission or act of a governmental subdivision to prevent or suppress such actions is also excluded. It should be attached when CG 22 31 is on the underlying policy.

CU 22 04-Exclusion-Fiduciary or Representative Liability of Financial Institutions

This endorsement excludes coverage for bodily injury, property damage, or personal and advertising injury due to the ownership, maintenance, or use of property when the named insured has only a fiduciary or representative responsibility over the property. It does not apply to covered autos. It should be attached when CG 22 38 is on the underlying policy.

CU 22 05-Exclusion-Housing Projects Sites

This endorsement excludes coverage for bodily injury or property damages that occurs while a building is vacant and awaiting demolition. The named insured must own the building and it must either be on a site acquired for a proposed housing project or just be pending demolition. It should be attached when CG 22 41 is on the underlying policy.

CU 22 06-Exclusion-Existence or Maintenance of Streets, Roads, Highways, or Bridges

This endorsement excludes coverage for losses due to the existence and maintenance of streets, roads, highways, bridges, sidewalks, culverts, parking meters, traffic lights and signs, street benches, public refuse receptacles, safety zone stanchions, light and telephone poles, trees, water hydrants, and alarm boxes. It also excludes liability that arises out of ownership, maintenance, and use of mobile equipment used in connection with these activities. It should be attached when CG 22 42 is on the underlying policy.

CU 22 07-Exclusion-Rolling Stock-Railroad Construction

This endorsement excludes coverage for losses caused by movement of railroad rolling stock during track maintenance or track construction operations. Loss caused by rolling stock assigned to and at a specific jobsite is not excluded. It should be attached when CG 22 46 is on the underlying policy.

CU 22 08-Exclusion-Saline Substances Contamination

This endorsement excludes coverage for property damage due to saline substance contamination caused by natural gas oil or gas lease operators. It should be attached when CG 22 47 is on the underlying policy.

CU 22 09-Exclusion-Failure to Supply

This endorsement excludes coverage for loss caused by any insured failing to supply gas, oil, water, electricity, steam, or biofuel. It does not apply when sudden and accidental injury to equipment that provides the supply causes the failure. It should be attached when CG 22 50 is on the underlying policy.

CU 22 10-Exclusion-Laundry and Dry Cleaning Damage

This endorsement applies to self-service laundry and dry cleaning establishments. It explicitly excludes coverage for property that is laundered or dry-cleaned using self-service equipment. It should be attached when CG 22 53 is on the underlying policy.

CU 22 11-Exclusion-Logging and Lumbering Operations

This endorsement excludes coverage for all property damage caused by fire. It also excludes property damage to any vehicle during loading or unloading. This exclusion applies to only the named insured's logging and lumbering operations. It should be attached when CG 22 54 is on the underlying policy.

CU 22 13-Exclusion-Underground Resources and Equipment

This endorsement applies to the ten gas and oil operations listed on the endorsement schedule. It excludes coverage for property damage losses included in the underground resources and equipment hazard and related expenses. It should be attached when CG 22 57 is on the underlying policy.

CU 22 14-Exclusion-Described Hazards (Carnivals, Circuses, and Fairs)

This endorsement applies only to carnivals, circuses, and fairs. It excludes coverage for bodily injury losses due to mechanically operated amusement devices and from any sports or athletic event the named insured sponsors. It does not exclude coverage for injuries to spectators at such events only the participants. It should be attached when CG 22 58 is on the underlying coverage form or policy.

CU 22 15-Limitation of Coverage-Real Estate Operations

This endorsement amends the coverage provided for real estate operations. Coverage applies to only losses that arise from the named insured's office and the named insured's listings. It also includes coverage for premises the named insured shows that are for sale or rental. It should be attached when CG 22 60 is on the underlying policy.

Note: Property management is specifically excluded, as well as operations related to other owned properties.

CU 22 16-Underground Resources and Equipment Coverage

This endorsement provides underground resource and equipment property damage coverage for the ten operations listed on the endorsement schedule that CU 22 13 excludes. The property damage coverage provided is subject to the separate aggregate limit on the endorsement schedule. The property damage exclusions for property in the insured's care, custody, and control, being worked on, and that must be restored do not apply to property damage included in the underground resources and equipment hazard. This should be attached when CG 22 62 is on the underlying policy.

CU 22 17-Stevedoring Operations Limited Completed Operations Coverage

This endorsement limits completed operations coverage for stevedoring operations. There is no coverage for injury or damage due to a products-completed operations hazard that arises from any occurrence at the site of a completed or abandoned stevedoring operation. This applies only if the occurrence does not take place on board a vessel. It should be attached when CG 22 63 is on the underlying policy.

CU 22 18-Optical and Hearing Aid Establishments

This endorsement provides coverage for optical and hearing aid professional services by removing the exclusion for professional optometric and hearing aid related services and adding an insuring agreement that defines coverage. The insuring agreement applies to Coverage A, but the endorsement removes the exclusions in both Coverages A and B. It removes the optometry section of the professional liability exclusion but it also, for no apparent reason except that they are at the end of the list of professional services, removes the professional liability exclusions for law enforcement or firefighting services and the handling of dead bodies. This endorsement should be attached when CG 22 65 is on the underlying coverage form or policy. The 04 13 edition is changed to track with the 04 13 edition of CU 00 01.

CU 22 19-Corporal Punishment

This endorsement amends the expected or intended injury exclusion by adding an exception for corporal punishment the named insured administers or directs others to administer to one of its students. It should be attached when CG 22 67 is on the underlying coverage form or policy.

CU 22 20-Druggists

This endorsement provides professional liability coverage for the health care services of a druggist. This is especially important with the change in the 04 13 edition because CU 00 01 excludes all professional pharmacy services. This endorsement applies to only bodily injury and property damage. It does not include personal and advertising injury liability coverage that the prior edition provided. It should be attached when CG 22 69 is on the underlying policy.

Note: This endorsement does not provide coverage when the druggist consults, prescribes, or is actively involved in managing drug therapy. This recognizes that state laws and statutes are expanding to allow druggists to perform professional services once restricted to physicians. Coverage is available for the broadened exposure under CU 22 63-Druggists-Broadened Coverage.

CU 22 21-Colleges or Schools

This umbrella endorsement excludes injury to a person practicing or participating in a sports and athletic contest ONLY when the insured is not actively involved in managing or supervising the event. This should be attached when either CG 22 71 or CG 22 72 is on the underlying policy.

Note: This endorsement should be carefully compared to CG 22 71-Colleges or Schools (Limited Form) and CG 22 72-Colleges or Schools because it corresponds to only one section of these endorsements that have similar titles. One significant potential gap in coverage is that the CG endorsements add board members and student teachers as insureds, but the CU endorsement does not. Another gap is the limited infirmary professional coverage that CG 22 72 provides that this endorsement does not provide.

CU 22 22-Exclusion-Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate-Seed Merchants

This endorsement excludes coverage for property damage due to seed failing to germinate, as well as erroneous delivery of seed, improper mixing of the seed formula, and any failure to germinate that results from improper mixing or formula. It should be attached when CG 22 81 is on the underlying policy.

CU 22 24-Exclusion-Telecommunication Equipment or Service Providers Errors and Omissions

This endorsement excludes coverage for losses due to telecommunication equipment or services errors and omissions. Losses due to any type of deficiency, error, omission, or defect in evaluation, consultation, or advice given by any insured or by others on its behalf are also excluded. This exclusion also extends to any set-up when the named insured is the service provider. In addition, failure by any insured to provide telecommunication services is also excluded. It should be attached when CG 22 91 is on the underlying policy.

CU 22 25-Emergency Services-Volunteer Firefighters and Workers Injuries Excluded

This endorsement excludes bodily injury to volunteer firefighters and other emergency rescue personnel but only while they perform such services. It should be attached when CG 22 56 and/or CA 20 30 are on the underlying policies. The change removed wording related to auto and to fellow employee. The result is a reduction in coverage because all coverage for volunteer firefighters and emergency rescue personnel is excluded.

Note: This endorsement provides broader coverage because personal and advertising injury is excluded in the CGL but not in the umbrella.

CU 22 26-Emergency Services-Fellow Volunteer Firefighters and Workers Injuries Limited Exclusion

This endorsement provides coverage for bodily injury to a fellow firefighter or other volunteer worker of the insured if the injury is sustained during firefighting, rescue, or ambulance operations. It should be attached when CA 20 07 is on the underlying policy. Reference to CU 22 25 in the endorsement is removed so that the CU 22 25 should no longer be attached along with endorsement.

CU 22 27-Leasing or Rental Concerns-Exclusion of Certain Leased Autos

This endorsement excludes coverage for injury or damage caused by actions or inaction of parties that lease or rent a vehicle from the named insured. It should be attached when CA 20 12 is on the underlying policy.

CU 22 28-Leasing or Rental Concerns-Rent-It-There/Leave-It-Here Autos

This endorsement excludes coverage for the owner or the renter of a rent-it-there/leave-it-here auto left with the named insured. It should be attached when CA 20 12 is on the underlying policy.

CU 22 29-Leasing or Rental Concerns-Schedule of Limits for Owned Autos

This endorsement allows the insured to have one set of limits for leased vehicles that require direct primary insurance and another set of limits for leased vehicles that do not have that requirement. It should be attached when CA 20 13 is on the underlying policy. The only change in the 09 18 change was in formatting.

CU 22 30-Leasing or Rental Concerns-Lessees and Rentees Excluded

This endorsement excludes as insureds parties that rent or lease owned vehicles from the named insured. However, coverage still applies to the named insured and all other insureds. This endorsement is less restrictive than CU 22 27-Leasing or Rental Concerns-Exclusion of Certain Leased Autos.

CU 22 31-Auto Dealers Endorsement

This endorsement is mandatory when the underlying coverage is on an auto dealer coverage form or policy.

CU 22 32-Agricultural Produce Trailers-Seasonal

This endorsement is used when the underlying coverage insures agricultural produce trailers on a seasonal basis. It excludes coverage on those trailers if they are used to transport livestock or are used for other than farming or ranching. It should be attached when CA 23 24 is on the underlying policy.

CU 22 33-Public Transportation Autos

This endorsement extends the liability umbrella coverage form to cover damage to passengers' property while carried by a public transport vehicle. It should be attached when CA 24 02 is on the underlying policy.

CU 22 35-Motor Carriers-Insurance for Non-trucking Use

This endorsement extends the liability umbrella coverage form to provide coverage on non-trucking operations for truckers. The only change in the 09 18 change was in formatting and a title change.

CU 22 36-Truckers-Uniform Intermodal Interchange Endorsement Form UIIE-1

This endorsement extends the liability umbrella coverage form to provide coverage for the liability of covered third parties or their property for the liability the named insured assumed as a subscribing carrier under the Uniform Intermodal Interchange and Facilities Access Agreement. The only change in the 09 18 change was in formatting.

CU 22 37-Motor Carrier Endorsement

This endorsement is attached to the liability umbrella coverage form when the underlying auto coverage is written on a motor carrier coverage form. The only change in the 09 18 change was in formatting.

CU 22 38-Motor Carriers -Named Lessee As Insured-Notice of Cancellation

Any lessee listed on this endorsement's schedule must be provided with at least 30 days advance notice before liability coverage is reduced, or the policy cancelled. The only change in the 09 18 change was in formatting and a title change.

CU 22 39-Driving Schools Non-Owned Autos

This endorsement adds an item to the definition of Section II-Who Is an Insured. When a non-owned vehicle is used for driving training, the named insured, driving instructors, and student drivers while being instructed are insureds. It should be attached when CA 20 06 is on the underlying policy. The only change in the 09 18 change was in formatting and a title change.

CU 22 40-Policy Changes

This endorsement provides the insurance company with a way to amend non-coverage elements of existing liability umbrella coverage forms and policies. The only change in the 09 18 change was in formatting.

CU 22 61-Exclusion-Damage to Work Performed By Subcontractors on Your Behalf-Designated Sites or Operations

This restrictive endorsement amends exclusion o. Damage to Your Work by eliminating the exception for subcontractors that work on the named insured's behalf. It applies only on the site or for the operations on the endorsement schedule. It should be attached when CG 22 95 is on the underlying policy.

CU 22 63-Druggists-Broadened Coverage

This endorsement provides professional liability coverage for the health care services of a druggist. This is especially important with the change in the 04 13 edition because CU 00 01 excludes all professional pharmacy services unless this endorsement or CU 22 20 is attached. This endorsement applies to only bodily injury and property damage. Coverage for personal and advertising injury provided in the prior edition form is no longer included. It should be attached when CG 22 97 is on the underlying policy.

Note: This endorsement provides broader coverage than CU 22 20-Druggists. The only druggists professional service excluded is one that results from willful violation of statutes and ordinances. In states where druggists are not required to have physician's oversight to provide pharmacological services, the druggist's professional exposure may become more like a physician's professional exposure.

CU 22 64-Exclusion-Damage to Work Performed By Subcontractors on Your Behalf

This restrictive endorsement amends exclusion o. Damage to Your Work by eliminating the exception for subcontractors that work on the named insured's behalf. It should be attached when CG 22 94 is on the underlying policy.

CU 22 68-Exclusion-Professional Services-Blood Banks

This endorsement excludes bodily injury and property damage coverage for the handling, distribution, representation, or warranting of blood products. It also excludes professional health services in connection with blood donation or any act or omission by a Doctor of Medicine. It should be attached when CG 22 32 is on the underlying policy.

CU 22 83-Professional Liability Exclusion-Computer Software

This endorsement excludes bodily injury, property damage, and personal and advertising injury related to services provided or that were not provided that relate in any way to the named insured's computer software. It should be attached when CG 22 75 is on the underlying policy.

CU 22 84-Exclusion-Testing or Consulting Errors and Omissions

This endorsement excludes coverage for losses that arise out of any error, omission, defect, or deficiency in testing, evaluation, consultation, or advice given by any insured or by others on its behalf. Negligence in supervisory functions is also excluded. It should be attached when CG 22 33 is on the underlying policy.

CU 22 85-Exclusion-Internet Service Providers and Internet Access Providers Errors and Omissions

This endorsement excludes bodily injury and property damage coverage for losses due to Internet-related errors, omissions, defects, or deficiencies in any evaluation, consultation, or advice that any insured gives. It also excludes failing to provide adequate Internet services or access. Negligence in supervisory functions is also excluded. It should be attached when CG 22 98 is on the underlying policy.

CU 22 86-Professional Liability Exclusion-Web-Site Designers

This endorsement excludes bodily injury and property damage coverage for losses due to acts, errors, or omissions of web-site designers or consultants. Negligence in supervisory functions is also excluded. It should be attached when CG 22 98 is on the underlying policy.

CU 22 93-Professional Liability Exclusion-Computer Data Processing

This endorsement excludes coverage for losses due to computer processing services, acts, errors, or omissions by the insured or those for whom it is responsible. Negligence in supervisory functions is also excluded. It should be attached when CG 22 77 is on the underlying policy.

CU 22 94-Professional Liability Exclusion-Electronic Data Processing Services and Computer Consulting or Programming Services

This endorsement excludes coverage for losses due to services, advice, or instruction related to data processing, computer consulting, or computer programming that was provided or should have been provided. Such acts by the insured or anyone for whom it is legally or contractually liable are not covered. Negligence in supervisory functions is also excluded. It should be attached when CG 22 88 is on the underlying policy.

What Are CU 24 - Additional Coverage Endorsements?

The CU 24 - Additional Coverage Endorsements are as follows:

CR 24 01-Waiver of Transfer of Rights of Recovery Against Others to Us (Waiver of Subrogation)

This endorsement amends the Transfer of Rights of Recovery Against Others to Us condition. The insurance company waives its rights of recovery against the party listed on the endorsement schedule but only with respect to the named insured's use of covered auto under contract with the designated party. It should be attached when CA 04 44 is attached.

CU 24 02-Waiver of Charitable Immunity

The endorsement states that the insurance company does not use the insured's status as a charity as a waiver of immunity unless the insured agrees in writing to the company using such a defense. It should be attached when CG 24 03 is on the underlying policy.

CU 24 03-Waiver of Transfer of Rights of Recovery Against Others to Us

This endorsement amends the Transfer of Rights of Recovery Against Others to Us condition. The insurance company waives its rights of recovery against the party listed on the endorsement schedule but only with respect to the named insured's operations and work under contract with the designated party. It should be attached when CG 24 04 is on the underlying policy.

Note: This does not necessarily extend to auto coverage.

CU 24 04-Financial Institutions-Fiduciary Interest Only

This endorsement provides additional exclusions and provisions (including coverage for additional interests) on policies where the named insured is a fiduciary. It has a reporting provision and limits coverage to a fiduciary interest for the ownership, maintenance, and use of property. The financial institution must submit a list of the properties acquired, relinquished, or terminated every 60 days. It should be attached when CG 24 05 is on the underlying policy.

CU 24 05-Products-Completed Operations Hazard Redefined

This endorsement replaces the definition of Products-Completed Operations Hazard to provide on-premises products coverage for certain scheduled operations. It is used on restaurants and other occupancies where products are usually consumed on premises. It should be attached when CG 24 07 is on the underlying policy.

CU 24 06-Fiduciaries-Fiduciary Interest

This endorsement provides additional exclusions and provisions (including coverage for additional interests) on policies where the named insured is a fiduciary. It is used most often for banks and other fiduciaries and is identical to CU 24 04-Financial Institutions-Fiduciary Interest Only except that the reporting requirement is removed. It should be attached when CG 24 11 is on the underlying policy.

CU 24 07-Boats

This endorsement modifies the aircraft or watercraft exclusion to not apply to any watercraft listed on the endorsement schedule that the insured owns, rents, or uses. It should be attached when CG 24 12 is on the underlying policy. The schedules must be kept consistent.

CU 24 08-Waiver of Governmental Immunity

In this endorsement, the insurance company agrees to not exercise an insured's governmental immunity in either adjusting or defending claims. The insured still has the right to request the carrier to claim the immunity, but the request must be in writing. It should be attached when CG 24 14 is on the underlying policy.

CU 24 09-Contractual Liability-Railroads

This endorsement redefines Insured Contract to broaden coverage by eliminating all restrictions that apply specifically to construction and demolition operations around railroad property. The redefinition applies only for the railroad and at the jobsite scheduled. It should be attached when CG 24 17 is on the underlying policy.

CU 24 10-Seed Merchants-Coverage for Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate

This endorsement adds property damage coverage for losses due to erroneous delivery of seed. It covers failing to deliver seed at all, delivering the wrong seed, or delivering seed at the wrong season or time of the year. It also covers errors in the mechanical mixture of seed or seed failing to germinate if the failure is due to delivering the wrong seed, delivering seed at the wrong season or time of the year, or errors in the mechanical mixture of seed. This is the opposite of CU 22 22-Exclusion-Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate-Seed Merchants, which excludes the coverage. It should be attached when CG 24 18 is on the underlying policy.

CU 24 11-Seed Merchants-Coverage for Erroneous Delivery or Mixture (Resulting Failure of Seed to Germinate Not Included)

This endorsement adds property damage coverage for losses due to erroneous delivery of seed. It covers failing to deliver seed at all, delivering the wrong seed, or delivering seed at the wrong season or time of the year. It also covers errors in the mechanical mixture of seed. It excludes property damage due to the seed failing to germinate. This endorsement is the same as CU 24 10-Seed Merchants-Coverage for Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate except that it excludes property damage due to seed failing to germinate. It should be attached when CG 24 19 is on the underlying policy.

CU 24 13-Amendment of Personal and Advertising Injury Definition

This endorsement applies to only Personal and Advertising Injury Liability. It removes oral or written publication that violates a person's right of privacy from the definition of Personal and Advertising Injury.

Note: The definition is changed in only Coverage B. As a result, item e. remains in the definition when it is excluded under Coverage A. This approach assures that this offense does not move from Coverage B. to Coverage A. It should be attached when CG 24 13 is on the underlying policy.

CU 24 14-Fellow Employee Auto Coverage

By eliminating the fellow employee exclusion from Section II-Who is An Insured this endorsement provides liability coverage when one employee injures another with a covered auto. It should be attached when CA 20 55 is on the underlying policy.

CU 24 15-Fellow Employee Auto Coverage for Designated Employees/Positions

This endorsement is identical to CU 24 14-Fellow Employee Auto Coverage except that the fellow employee exclusion is eliminated only for the employees specifically named or employees who hold the specific titles or the job positions on the endorsement schedule. It should be attached when CA 20 56 is on the underlying policy. The only change in the 09 18 change was in formatting.

Note: When names, job positions, or titles are scheduled, it is very important to update the schedule at each renewal because changes can take place at any time. A person may be a secretary one day and an administrative assistant the next. If only the position of secretary is listed, the person who was covered as a secretary loses the coverage immediately upon becoming an administrative assistant.

CU 24 16-Auto Dealers Broad Form Products Coverage

This endorsement is used only when the underlying coverage is provided by an auto dealer or garage coverage form or policy. It removes exclusion n. Damage to Your Property because the auto dealers and garage coverage forms do not contain this exclusion. The only change in the 09 18 change was in formatting and a title change.

CU 24 17-Individual Named Insured-Auto Coverage

This endorsement should be used when an individual is listed as a named insured. It provides a limited amount of personal auto coverage. It should be attached when CA 99 17 is on the underlying policy.

CU 24 18-Repossessed Autos

This endorsement appears to provide coverage but is actually an exclusion endorsement with limited exceptions. It excludes liability coverage for vehicles the named insured repossesses but provides three exceptions. Liability coverage applies while the vehicle is being repossessed, while it is being held for sale, and after it has been sold but is awaiting delivery. The liability coverage provided is subject to the different each occurrence limit on the endorsement schedule. It should be attached when CA 20 19 is on the underlying policy. The only change in the 09 18 change was in formatting.

CU 24 19-Lessor-Additional Insured and Loss Payee

This endorsement requires that the insurance company notify the additional insured on the endorsement schedule of any cancellation. This means it must send notice to the designated additional insured if it sends notice to the named insured. This places a burden on the carrier because coverage continues in effect for the designated additional insured if it is not notified. In addition, the insurance carrier must notify the designated additional insured if the named insured cancels the policy.

It should be attached when CA 20 01 is on the underlying policy. The only change in the 09 18 change was in formatting.

CU 24 20-Broadened Bodily Injury Definition

This endorsement broadens the umbrella coverage form definition of bodily injury to include mental or emotional injury without requiring that it be a direct result of the bodily injury.

CU 24 23-Coverage for Professional Services

This endorsement eliminates the professional services exclusions in the umbrella coverage form. It then states that the coverage provided because of the exclusion's elimination becomes follow form to the underlying coverage.

Note: The wording added is open-ended and may be subject to different interpretations.

CU 24 29-Businessowners Liability Changes

This endorsement realigns Section III-Limits of Insurance in CU 00 01 for Coverage A and Coverage B to match the Limits section in the Businessowners Policy. This is mandatory when a businessowners policy provides the underlying general liability coverage.

CU 24 30-Amendment of Insured Contract Definition

This endorsement amends the definition of Insured Contract. It reduces coverage by changing paragraph 9.g. in two ways. First, paragraph 9.g. applies only if the named insured or a party that works on its behalf causes the bodily injury or property damage. Second, it applies only if the law permits the named insured to assume the liability. It should be attached when CG 24 26 is on the underlying policy.

CU 24 31-Limited Contractual Liability-Railroads

This endorsement is identical to CU 24 09-Contractual Liability-Railroads except that it reduces coverage by changing paragraph 9.g. in two ways. First, paragraph 9.g. applies only if the named insured or a party that works on its behalf causes the bodily injury or property damage. Second, it applies only if the law permits the named insured to assume the liability. It should be attached when CG 24 27 is on the underlying policy.

CU 24 32-Limited Coverage Territory

This endorsement replaces the very broad definition of territory in CU 00 01 with the more limited version similar to the one in CG 00 01-Commercial General Liability Coverage Form (Occurrence Version). It also deletes the Expanded Coverage Territory condition because there is no expanded territory.

CU 24 33-Limited Coverage Territory-Additional Scheduled Countries

This endorsement is similar to CU 24 32-Limited Coverage Territory except that the coverage can be expanded to additional countries by listing them on the endorsement schedule. It should be attached when CG 24 23 is on the underlying policy.

CU 24 34-Auto Dealers Products and Work Aggregate Limit of Insurance

This endorsement provides a separate Products and Work Aggregate Limit of Insurance. The separate aggregate applies only for bodily injury and property damage that occur away from the premises and are due to the named insured's work or product. The policy general aggregate does not apply to such losses. Neither of the aggregates applies to losses caused by covered auto.

CU 24 35-Amendment of Coverage Territory-Worldwide Coverage with Specified Exceptions

This endorsement provides the standard liability umbrella coverage form definition of coverage territory except that the countries listed on the endorsement schedule are not part of the coverage territory. It should be attached when CG 24 24 is on the underlying policy.

CU 24 36-Products-Completed Operations Aggregate Limit of Insurance

This endorsement provides a separate Products-Completed Aggregate Limit of Insurance. The policy aggregate cannot be exhausted by the products-completed operations hazard. The 09 18 change added a nonconcurrency statement.

CU 24 40-Canoes or Rowboats

This endorsement amends the Aircraft or Watercraft exclusion. It covers bodily injury or property damage caused by a canoe or rowboat an insured owns, uses, or rents. It also broadens Section II-Who Is an Insured to include anyone who operates the named insured's canoe or rowboat with permission. It should be attached when CG 24 16 is on the underlying policy.

CU 24 50-Limited Coverage for Designated Unmanned Aircraft

This endorsement is identical to CU 21 71 except that unmanned aircraft and the project for which is it used are scheduled on the endorsement are excepted from the exclusion. It should be attached when CG 24 50 is on the underlying policy but check to see if the CG 24 50 is subject to a sublimit aggregate.

CU 24 51-Limited Coverages for Designated Unmanned Aircraft (Coverage A Only)

This endorsement is identical to CU 21 72 except that unmanned aircraft and the project for which is it used are scheduled on the endorsement are excepted from the exclusion. It should be attached when CG 24 51 is on the underlying policy. But check to see if the CG 24 51 is subject to a sublimit aggregate.

CU 24 52-Limited Coverage for Designated Unmanned Aircraft (Coverage B Only)

This endorsement is identical to CU 21 73 except that unmanned aircraft and the project for which is it used are scheduled on the endorsement are excepted from the exclusion. It should be attached when CG 24 52 is on the underlying policy but check to see if the CG 24 52 is subject to a sublimit aggregate.

CU 24 78-Noncontributory - Other Insurance Condition

This optional endorsement can be attached when a contract requires that the insurance available to an additional insured be provided on a noncontributory basis.

What Are CU 27 - Claims Made Endorsements?

The CU 27 - Claims Made Endorsements are as follows:

CU 27 00-Underlying Claims-Made Coverage

The Insurance Services Office (ISO) CU 00 01-Commercial Liability Umbrella Coverage Form is written on an occurrence basis. This works well because all auto coverage and most general liability coverage is written on an occurrence basis.

These endorsements address the changes that must be made when underlying coverages are written on a claims made basis.

CU 27 01-Exclusion of Specific Accidents, Products, Work, or Location

CU 27 02-Amendment-Extended Reporting Periods for Specific Accidents, Products, Work, or Location

CU 27 03-Supplemental Extended Reporting Period Endorsement

CU 27 04-Supplemental Extended Reporting Period Endorsement for Specific Accidents, Products, Work, or Locations

CU 27 10-Extended Reporting Period Endorsement for Employee Benefits Liability Coverage

CU 27 14-Extended Reporting Period Endorsement for Condominiums, Co-ops, Associations-Directors and Officers Liability Coverage

What Are CU 31 - Limits Endorsements?

The CU 31 - Limits Endorsements are as follows:

CU 31 07-Split Uninsured and Underinsured Motorists Coverage Limits

This endorsement must be included with the liability umbrella coverage form when the underlying Auto Uninsured and Underinsured Motorists Coverage is subject to split limits so that the umbrella limits are written on the same basis.

What Are CU 35 - Exclusion Endorsements?

The CU 35 - Exclusion Endorsements are as follows:

CU 34 05-Exclusion of Federal Employees Using Autos in Government Business

This endorsement tries to eliminate any attempt to provide coverage for the federal government under private insurance coverage. Under this coverage, the named insured or its employee acting as a federal government employee when an accident occurs is not an insured.

It should be attached when CA 04 42 is on the underlying policy.

CU 34 06-Amphibious Vehicles

This endorsement excludes coverage for any vehicle that can be used on both land and water. However, it applies only when the vehicle is on the water, being launched, or while ashore.

This should be attached when CA 23 97 is on the underlying policy.

What Are Commercial Umbrella Insurance Endorsements? - The Bottom Line

What are commercial umbrella insurance endorsements? An endorsement alters the Commercial Liability Umbrella and becomes part of your commercial insurance agreement, and it remains in force until the contract term expires.

The only exception to the above rule is if the commercial umbrella endorsement has a specific or limited term to which the endorsement is valid. It may renew under the same terms and conditions of the rest of your policy.

Additional Commercial Insurance Endorsements Information

Learn about small business commercial endorsements that add, remove, or change your policy's coverage by altering the standardized coverage form.


Commercial Insurance Endorsements

So commercial insurance endorsements allow you to customize your policy to better fit your business insurance needs without having to buy a new policy.

So business insurance endorsements can either modify the basic policy by removing coverages that you don’t need, or remove one or more exclusions, adding those coverages back into the policy.

There are many types of commercial insurance endorsements - and while some favor the insurer (by excluding coverage) and some benefit the insured (by adding coverage), below is a list of some of the most common uses for business insurance endorsements:


  • Additional Insured: This is one of the most common endorsements that adds someone other than you to your insurance policy. It is typically required by some sort of contract. Common additional insureds are landlords, general contractors, vendors or customers.
  • Administrative Changes: Newly issued policies can include mistypes, misspellings, or missing words altogether. To correct these errors, the insurer would add an endorsement, rather then having to cancel and issue a new policy. If a policyholder changes their name, an endorsement would reflect that too.
  • Changing Or Adding Addresses: This endorsement covers any change to the insured's property like moving your office to a new location, or expanding to a another location.
  • Deductible Changes: This endorsement manages who can change your deductible as well as when and how much it can be changed.
  • Increased Limits: Occasionally companies need to add endorsements to increase the limits of insurance. For example, you'd use an endorsement to extend workers' compensation benefits not covered by state law. Or, to get a contract you need higher limits on your general liability policy.

Making a policy change usually affects your insurance premium. Anytime coverage is altered there is likely a cost associated with how the policy premium is calculated. Adding coverage usually makes the premium increase, while excluding coverage can reduce the premium you pay.


Types Of Small Business Insurance - Requirements & Regulations

Perhaps you have the next great idea for a product or service that you know will appeal to your local area. If you've got a business, you've got risks. Unexpected events and lawsuits can wipe out a business quickly, wasting all the time and money you've invested.

Operating a business is challenging enough without having to worry about suffering a significant financial loss due to unforeseen and unplanned circumstances. Small business insurance can protect your company from some of the more common losses experienced by business owners, such as property damage, business interruption, theft, liability, and employee injury.

Purchasing the appropriate commercial insurance coverage can make the difference between going out of business after a loss or recovering with minimal business interruption and financial impairment to your company's operations.

Small Business Information

Insurance is so important to proper business function that both federal governments and state governments require companies to carry certain types. Thus, being properly insured also helps you protect your company by protecting it from government fines and penalties.

Small Business Insurance Information

In the business world, there are many risks faced by company's every day. The best way that business owners can protect themselves from these perils is by carrying the right insurance coverage.

The The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.

Commercial insurance is particularly important for small business owners, as they stand to lose a lot more. Should a situation arise - a lawsuit, property damage, theft, etc. - small business owners could end up facing serious financial turmoil.

According to the SBA, having the right insurance plan in place can help you avoid major pitfalls. Your business insurance should offer coverage for all of your assets. It should also include liability and casual coverage.

Types Of Small Business Insurance

Choosing the right type of coverage is absolutely vital. You've got plenty of options. Some you'll need. Some you won't. You should know what's available. Once you look over your options you'll need to conduct a thorough risk assessment. As you evaluate each type of insurance, ask yourself:

  • What type of business am I running?
  • What are common risks associated with this industry?
  • Does this type of insurance cover a situation that could feasibly arise during the normal course of doing business?
  • Does my state require me to carry this type of insurance?
  • Does my lender or do any of my investors require me to carry this type of policy?

A licensed insurance agent or broker in your state can help you determine what kinds of coverages are prudent for your business types. If you find one licensed to sell multiple policies from multiple companies (independent agents) that person can often help you get the best insurance rates, too. Following is some information on some of the most common small business insurance policies:

Business Insurance Policy Type What Is Covered?
General Liability InsuranceWhat is covered under commercial general liability insurance? It steps in to pay claims when you lose a lawsuit with an injured customer, employee, or vendor. The injury could be physical, or it could be a financial loss based on advertising practices.
Workers Compensation InsuranceWhat is covered under workers compensation insurance? This type of insurance protects a business and its owner(s) from claims by employees who suffer a work-related injury, illness or disease. Workers comp typically provides the injured employee with benefits to cover medical expenses, a portion of his/her lost wages, rehabilitation costs if applicable, and permanent partial or permanent total disability.
Product Liability InsuranceWhat is covered under product liability insurance? I pays an injured party's settlement or lawsuit claim arising from a defective product. These are usually caused by design defects, manufacturing defects, or a failure to provide adequate warning or instructions as to how to safely use the product.
Commercial Property InsuranceWhat is covered under business property insurance? General liability policies don't cover damages to your business property. That's what commercial property insurance is for. It protects all of the physical parts of your business: your building, your inventory, and your equipment, giving you the funds you need to replace them in the event of a disaster. If you work from home, you might consider a Home Based Business Insurance policy instead.
Business Owners Policy (BOP)What is covered under a business owners policy (BOP)? This is a policy designed for small, low-risk businesses. It simplifies the basic insurance purchase process by combining general liability policies with business income and commercial property insurance.
Commercial Auto InsuranceWhat is covered under business auto insurance? This type of insurance covers automobiles being used for business purposes. This could include a fleet of business-only vehicles or a single company car. In some cases it might cover your car or your employee's car while they're being used for business. These policies have much higher limits, ensuring you can cover your costs if one of these vehicles gets into an accident.
Commercial Umbrella PoliciesWhat is covered under commercial umbrella insurance? This type of policy is a sort of "gap" insurance. It covers your liability in the event that a court verdict or settlement exceeds your general liability policy limits.
Liquor Liability InsuranceWhat is covered under liquor liability insurance? It covers bodily injury or property damage caused by an intoxicated person who was served liquor by the policy holder.
Professional Liability (Errors & Omissions)What is covered under professional liability insurance? This type of business insurance is also known as malpractice oe E&O. It covers the damages that can arise from major mistakes, especially in high-stakes professions where mistakes can be devastating.
Surety BondWhat is covered under surety bonds? Bonding is a contract where one party, the SURETY (who assures the obligee that the principal can perform the task), guarantees the performance of certain obligations of a second party, the PRINCIPAL (the contractor or business who will perform the contractual obligation), to a third party, the OBLIGEE (the project owner who is the recipient of an obligation).


Who Needs General Liability Insurance? - Virtually every business. A single lawsuit or settlement could bankrupt your business five times over. You might also need this policy to win business. Many companies and government agencies won't do business with your company until you can produce proof that you've obtained one of these policies.

Business Insurance Required by Law
Small Business Commercial Insurance

If you have any employees most states will require you to carry worker's compensation and unemployment insurance. Some states require you to insure yourself even if you are the only employee working in the business.

Your insurance agent can help you check applicable state laws so you can bring your business into compliance.

Other Types Of Small Business Insurance

There are dozens of other, more specialized forms of small business insurance capable of covering specific problems and risks. These forms of insurance include:

  • Business Interruption Insurance
  • Commercial Flood Insurance
  • Contractor's Insurance
  • Cyber Liability
  • Data Breach
  • Directors and Officers
  • Employment Practices Liability
  • Environmental or Pollution Liability
  • Management Liability
  • Sexual Misconduct Liability

Whether you need any or all of these policies will depend on the results of your risk assessment. For example, you probably don't need an environmental or pollution policy if you're running an IT company out of a leased office, but you would need data breach and cyber liability policies to fully protect your business.

Also learn about small business insurance requirements for general liability, business property, commercial auto & workers compensation including small business commercial insurance costs. Call us (855) 767-7828.

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