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 15 provides that coverage for the employees or positions designated in the schedule when the claim arises from a covered auto, matching underlying fellow-employee auto coverage. CU 24 14 is the blanket version.
Who needs it
Employers whose drivers carry co-workers, especially in states where fellow-employee suits are allowed.
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
- Ask whether the underlying auto policy has the matching fellow employee endorsement.
