What it does

CX 21 04 applies a total pollution exclusion but keeps coverage for injury from building heating, cooling and dehumidifying equipment and from hostile fire, matching the CGL counterpart.

Who needs it

Building owners, landlords and contractors whose CGL carries the matching exclusion.

How it fits the excess layer

The ISO excess form follows the provisions, exclusions and limitations of the controlling underlying insurance unless the excess form or an endorsement says otherwise. Excess endorsements therefore either add a restriction the underlying does not have, or adjust how the excess layer follows the underlying. Check every CX endorsement on a quote against the underlying policy so the layers line up.

Quoting and selling notes

• Compare with the underlying CGL pollution endorsement.

Related forms

See CX 21 02.