What it does
CU 34 58 is part of ISO's CU-2025-OFR25 revision. It removes volunteer workers from who is an insured under the umbrella while leaving employees as insureds.
Who needs it
Nonprofits, churches, schools and events that use volunteers, where the underlying CGL similarly excludes volunteers as insureds.
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
- Ask how many volunteers the organization uses and in what roles; volunteers driving or supervising children are a common issue.
Related forms
See CU 21 05.
