What it does
Employees are insureds under the umbrella, but not for bodily injury to a co-employee in the course of employment. CU 24 14 removes that restriction for claims arising from covered autos for all employees, matching underlying auto coverage written the same way. CU 24 15 does the same only for designated employees or positions.
Who needs it
Employers with crews traveling together in company vehicles: contractors, landscapers, utilities.
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
- Pair with the underlying auto fellow employee endorsement.
Related forms
See CU 24 15.
