What it does
CU 34 10 is a broader version of CU 21 01 introduced with the 12 19 umbrella endorsements. It excludes injury to participants in all athletic or sports contests or exhibitions, whether or not the insured sponsors them.
Who needs it
Sports facilities, gyms and venues that host contests run by others.
How it fits the umbrella
The umbrella has its own exclusions that apply whether or not the underlying policies cover the claim, and many ISO umbrella exclusion endorsements mirror a CGL or auto exclusion so that the umbrella does not drop down where the underlying is excluded. When an underlying policy carries an exclusion, check that the umbrella carries the matching CU endorsement, or explain the gap if it does not.
Quoting and selling notes
- Explain that participant injuries are excluded regardless of sponsorship.
