CXS 20 50 02 21
Umbrella Liability Blanket, Additional Insured, Primary & Noncontributory, Waiver of Subrogation Endorsement (CXS 20 50 02 21)
Provides additional insured coverage under the umbrella/excess policy. It also includes primary and noncontributory status and a waiver of subrogation. Coverage is extended to any person or organization required by written contract.
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 a **Waiver of Subrogation**, limiting the insurer’s ability to seek recovery from specified parties after paying a covered loss under the umbrella layer.
- 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.
- Written on a **blanket** basis, extending the applicable coverage to any person or organization required by written contract—reducing administrative burden for multi-project operations.
- 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
- 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 **waiver of subrogation** expectations at the umbrella level, helping keep recovery rights consistent when a large loss triggers the excess policy.
- Reduces administrative friction by extending applicable terms to parties required by written contract—helpful for organizations managing multiple contracts and COI requirements.
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
- Review any specific limitations or restrictive language.
- Ensure the blanket language, if not broad, is applicable to your entities.
What Other Endorsements Work With This?
Code
What It Does
When to use it
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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