What it does
CU 21 90 extends CU 21 89 to also exclude autos used for on-demand delivery services, such as app-based food or package delivery.
Who needs it
Restaurants and retailers whose employees deliver in personal autos, and auto accounts with app-based delivery exposure.
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 how deliveries are made and whether hired and non-owned auto coverage is in the underlying.
