NCU 73 17 01 20
Umbrella Liability Blanket, Primary & Noncontributory Endorsement (NCU 73 17 01 20)
Adds primary and noncontributory status for umbrella liability risk transfer, but does not include additional insured coverage. 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.
- 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.
- 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
- 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.
- 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?
- Supports contract language requiring the umbrella/excess coverage to be **primary and noncontributory**, helping reduce contribution disputes among layered policies.
- Reduces administrative friction by extending applicable terms to parties required by written contract—helpful for organizations managing multiple contracts and COI requirements.
- 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
- 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
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.
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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