Umbrella Liability Blanket, Follow Form, Additional Insured, Waiver of Subrogation Endorsement (SP CXS FF 08 23)

Provides follow form umbrella coverage that tracks the terms of the underlying policy. It includes additional insured coverage and a waiver of subrogation when supported by the underlying 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.
Includes **Follow Form** features, meaning the umbrella is designed to track key terms and conditions of the underlying policy(ies) when the umbrella responds—subject to the umbrella’s own exclusions and conditions.
Follow form wording can help keep risk transfer provisions consistent across layers, reducing gaps when a claim pierces underlying limits.
Supports Additional Insured protection at the umbrella layer by following the underlying policy’s additional insured terms when the umbrella responds.
Extends **Waiver of Subrogation** expectations at the umbrella layer **when the underlying coverage includes a waiver**, helping keep recovery rights consistent across layers.
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
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.

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 **waiver of subrogation** expectations at the umbrella level, helping keep recovery rights consistent when a large loss triggers the excess policy.
Helps align the umbrella’s terms with the underlying coverage, reducing gaps and surprises when the umbrella responds to a claim.
Follow form wording can also help satisfy umbrella **Additional Insured** and **Waiver of Subrogation** requirements—when those provisions are present in the underlying policies the umbrella follows.
Reduces administrative friction by extending applicable terms to parties required by written contract—helpful for organizations managing multiple contracts and COI requirements.