CU-2225-1C
Umbrella Liability Endorsement Overview Endorsement (CU-2225-1C)
Umbrella liability endorsement that does not add additional insured coverage, primary and noncontributory status, a waiver of subrogation, or follow form provisions.
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.
- Does not indicate additional insured coverage under the umbrella/excess policy, so contract requirements for umbrella additional insured status may need a separate umbrella endorsement.
- Does not indicate additional insured, waiver of subrogation, primary and noncontributory, or follow form terms—so contract-driven umbrella requirements may need additional endorsements.
- This is especially important when contracts require the umbrella to mirror the underlying risk transfer structure.
- 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
- Additional Insured coverage: This endorsement does not add Additional Insured status under the umbrella/excess policy.
- Waiver of subrogation: This endorsement does not waive the insurer’s rights of recovery against required parties under the umbrella layer.
- 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.
- Follow Form: This endorsement does not indicate follow form terms that track the underlying policy conditions when the umbrella responds.
Why Is This Endorsement Important?
- Indicates that key umbrella risk transfer features (Additional Insured, Waiver of Subrogation, Primary & Noncontributory, Follow Form) are not reflected here—so contract requirements may need additional endorsements.
- Helps prevent gaps in the excess layer that can become critical when underlying limits are exhausted and multiple parties are named in a lawsuit.
- Supports cleaner contract compliance and clearer allocation of defense and indemnity obligations when large claims occur.
How Do You Review This Coverage?
- Ensure that policy number - when printed - matches the COI
- Ensure that expiration date - when printed - is not yet expired
- Ensure that no invalidating watermarks (e.g. Sample) are included
- Ensure the boxes contain full blanket language or the additional insured entities and locations that match your contract.
- Review any specific limitations or restrictive language.
What Other Endorsements Work With This?
Code
What It Does
When to use it
CXL 515
Adds entities as additional insureds.
Required if contract demands additional insured coverage for umbrella liability.
CU 04 23
Adds waiver of subrogation in favor of the additional insureds.
Required if the contract demands that the carrier’s rights of recovery do not apply to the additional insureds.
CU 74 67
Adds primary and noncontributory coverage for the additional insureds.
Required if the contract demands that the subcontractor's policy responds first and without contribution.
CX 00 01
Adds follow form coverage in relation to the underlying policies. It can also add Waiver of Subrogation and Additional Insured coverage in favor of the additional insureds.
Required if the contract demands that Umbrella/Excess policy follows the terms and conditions of the underlying policies.
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