What it does
The umbrella's other insurance condition makes it excess over any other insurance. CU 24 77 changes that for additional insureds when a written contract requires the insured's umbrella to be noncontributory with the additional insured's own insurance and to respond in a stated order. ISO introduced it in its 2023 umbrella filing (CU-2023-OFR23) with a 12 23 edition.
Who needs it
Contractors, subcontractors, vendors and tenants whose contracts require "primary and noncontributory" umbrella or excess coverage for the owner, general contractor or landlord.
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
- Read the contract: if it requires the umbrella to respond before the additional insured's own umbrella or excess, this endorsement (rather than CU 24 78) addresses order of response.
- Make sure the underlying CGL carries a matching primary and noncontributory endorsement for the same parties.
