What it does
CU 24 78 amends the umbrella's other insurance condition, which otherwise makes the umbrella excess over and noncontributing with all other insurance, so that for an additional insured whose written contract requires it the umbrella is noncontributory with the additional insured's own insurance. Unlike CU 24 77, its title does not address order of response.
Who needs it
Contractors, vendors and tenants whose contracts call for noncontributory umbrella coverage.
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
- Many contracts now require order-of-response wording; compare with CU 24 77.
- The umbrella only covers additional insureds who are insureds under the underlying policies.
