Umbrella Liability Follow Form, Additional Insured, Waiver of Subrogation Endorsement (CRF XSP 0012 16)

Provides follow form umbrella coverage that tracks the terms of the underlying policy. It includes additional insured coverage and a waiver of subrogation when supported by the underlying coverage.

What Does This Coverage Include?

Modifies an Umbrella/Excess Liability policy to address contract-driven risk transfer requirements, especially when large losses could exceed underlying general liability or auto limits.
Includes **Follow Form** features, meaning the umbrella is designed to track key terms and conditions of the underlying policy(ies) when the umbrella responds—subject to the umbrella’s own exclusions and conditions.
Follow form wording can help keep risk transfer provisions consistent across layers, reducing gaps when a claim pierces underlying limits.
Extends **Additional Insured** protection through the umbrella layer **when the underlying policy also provides additional insured coverage**, helping carry contractual risk transfer into the excess limits.
Extends **Waiver of Subrogation** expectations at the umbrella layer **when the underlying coverage includes a waiver**, helping keep recovery rights consistent across layers.
Used when contracts require umbrella/excess policies to mirror key risk transfer provisions and when severe claims could realistically pierce underlying limits.

What Is NOT Covered?

The following coverages can be included if endorsed elsewhere
Primary and noncontributory status: This endorsement does not state that the umbrella/excess coverage applies on a primary and noncontributory basis for the required parties.

Why Is This Endorsement Important?

Extends contractual risk transfer into the **excess layer**, which matters when a severe loss exceeds underlying limits and the upstream party expects umbrella Additional Insured protection.
Supports **waiver of subrogation** expectations at the umbrella level, helping keep recovery rights consistent when a large loss triggers the excess policy.
Helps align the umbrella’s terms with the underlying coverage, reducing gaps and surprises when the umbrella responds to a claim.
Follow form wording can also help satisfy umbrella **Additional Insured** and **Waiver of Subrogation** requirements—when those provisions are present in the underlying policies the umbrella follows.