XS 524 (09-17)
Umbrella Liability Blanket, Waiver of Subrogation Endorsement (XS 524 (09-17))
Adds a waiver of subrogation 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 a **Waiver of Subrogation**, limiting the insurer’s ability to seek recovery from specified parties after paying a covered loss under the umbrella 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.
- 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?
- 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.
- 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 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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