What it does
The umbrella's pollution exclusion does not apply to the extent valid underlying insurance for the pollution risk exists. CU 21 25 replaces it with a total pollution exclusion that removes that exception. ISO also files a Georgia version with an exception for covered autos (CU 34 51) and CU 34 14 (pollution exclusion with a limited exception for covered autos).
Who needs it
Contractors, manufacturers and other accounts whose underlying CGL carries a total pollution exclusion.
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
- Refer pollution exposure to a pollution legal liability or contractors pollution policy.
Related forms
See CU 00 01.
