What it does
CU 21 11 limits coverage to bodily injury, property damage and personal and advertising injury arising out of the designated premises, project or operation. It is the umbrella counterpart of the CGL designated premises/project limitation and is commonly used for project-specific umbrellas. ISO also files Connecticut, Illinois and Montana versions (CU 21 98, CU 34 02, CU 34 04).
Who needs it
Owners and contractors buying an umbrella for a single project or location, or accounts where the underlying CGL is limited the same way.
How it fits the umbrella
ISO umbrella endorsements are listed on the umbrella declarations and change the CU 00 01 coverage form. Many are designed to follow a matching CGL, auto or employers liability endorsement so that the umbrella and the underlying policies respond the same way; when you add the underlying endorsement, ask whether the umbrella needs its counterpart.
Quoting and selling notes
- Explain that all other operations are uninsured under this umbrella.
- Pair with project-specific aggregates (CU 25 06) where needed.
