What it does
CU 22 31 conforms the umbrella to an underlying auto dealers policy (garage operations, customer and employee driving of dealer autos), so the umbrella's auto provisions follow the dealer form.
Who needs it
Franchised and used auto dealers, and other dealers of autos, trailers or RVs insured on an auto dealers form.
How it fits the umbrella
ISO umbrella endorsements are listed on the umbrella declarations and change the CU 00 01 coverage form. Many are designed to follow a matching CGL, auto or employers liability endorsement so that the umbrella and the underlying policies respond the same way; when you add the underlying endorsement, ask whether the umbrella needs its counterpart.
Quoting and selling notes
- Schedule the auto dealers policy and garagekeepers as underlying where appropriate.
- ISO also files excess auto dealers E&O coverage (CU 04 23).
