CXL 1182 0124
Umbrella Liability Additional Insured, Primary & Noncontributory Endorsement (CXL 1182 0124)
Provides additional insured coverage under the umbrella/excess policy. It also includes primary and noncontributory status.
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.
- Provides **Additional Insured** coverage under the umbrella/excess policy so required upstream parties have access to the excess layer for covered claims connected to your work.
- Includes **Primary and Noncontributory** wording, which can help clarify how the umbrella responds relative to other insurance and support contractual requirements for the excess layer.
- 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
- Waiver of subrogation: This endorsement does not waive the insurer’s rights of recovery against required parties under the umbrella layer.
- 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?
- 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 contract language requiring the umbrella/excess coverage to be **primary and noncontributory**, helping reduce contribution disputes among layered policies.
- 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
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.
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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