What it does
CU 21 71, introduced with ISO's 06 15 unmanned aircraft endorsements, excludes injury or damage arising out of unmanned aircraft. CU 21 72 limits the exclusion to Coverage A and CU 21 73 to Coverage B; CU 24 50 to CU 24 52 give limited coverage for designated unmanned aircraft.
Who needs it
Accounts that do not fly drones, or where the carrier will not cover drone exposure above the primary.
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 insured or its contractors use drones for inspections, photography or marketing.
