What it does
CU 21 01 excludes bodily injury to any person while practicing for or participating in a sports or athletic contest or exhibition that the insured sponsors, matching the CGL participant exclusion. ISO revised it in 12 19, together with CU 34 10 (all contests or exhibitions) and CU 22 21 (Colleges Or Schools).
Who needs it
Sports leagues, gyms, schools, camps and event organizers.
How it fits the umbrella
The umbrella has its own exclusions that apply whether or not the underlying policies cover the claim, and many ISO umbrella exclusion endorsements mirror a CGL or auto exclusion so that the umbrella does not drop down where the underlying is excluded. When an underlying policy carries an exclusion, check that the umbrella carries the matching CU endorsement, or explain the gap if it does not.
Quoting and selling notes
- Ask about participant accident or sports liability coverage elsewhere.
