What it does
CU 24 36 gives the umbrella a separate aggregate limit for the products-completed operations hazard instead of having those claims share one aggregate with premises and operations claims.
Who needs it
Manufacturers, distributors and contractors with significant products or completed operations exposure.
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 CGL has its own products-completed operations aggregate and match the structure.
