What it does
CU 21 12 excluded injury arising from abuse or molestation of a person in the care, custody or control of an insured, and from negligent hiring or supervision related to it. ISO's CU-2021-OAMFR filing lists it as a withdrawn form and introduced CU 34 44 (Broad Abuse Or Molestation Exclusion) and CU 34 45 (Sexual Abuse Or Sexual Molestation Exclusion) with 09 22 editions. The excess counterparts CX 21 11 and CX 21 18 were withdrawn at the same time.
Who needs it
In-force policies on older forms.
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.
