What it does
CU 21 27 adds an exclusion for bodily injury, property damage and related costs arising out of fungi (including mold) or bacteria, mirroring the CGL fungi or bacteria exclusion.
Who needs it
Commonly attached to habitational, contractor, hospitality and property management accounts.
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
- Ask whether the underlying CGL excludes fungi; contractors doing remediation need specialty coverage.
