What it does
CU 21 58 excludes injury or damage arising out of the transmission of a communicable disease, matching the CGL communicable disease exclusion.
Who needs it
Healthcare, hospitality, senior living, schools and events; carriers attach it broadly.
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 about infection control and whether the underlying excludes the same exposure.
Related forms
See CU 00 01.
