What it does

CU 21 08 excludes injury or damage claims made by one named insured against another arising from products of the second, a restriction for related manufacturing or distribution companies insured together.

Who needs it

Groups of related manufacturers and distributors on one umbrella.

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 the gap to the group's risk manager.

Related forms

See CU 21 26.