RSX 74 39 11 23
Umbrella Liability Blanket, Additional Insured Endorsement (RSX 74 39 11 23)
Provides additional insured coverage under the umbrella/excess policy. 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.
- 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
- 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?
- 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.
- 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
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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