What it does

CU 21 05 deletes employees and volunteer workers from who is an insured, so they have no personal protection under the umbrella for claims arising from their work. ISO's 2026 revision adds a volunteer-only version, CU 34 58.

Who needs it

Applied by underwriters to accounts where employee or volunteer insured status is not wanted.

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

• Explain to the client that employees named in a suit will rely only on the underlying limits.

Related forms

See CU 34 58.