What it does
CX 21 46 excludes injury or damage arising from autos used as a public or livery conveyance, matching CU 21 89.
Who needs it
Auto accounts with ride-share or livery exposure.
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
- Ask about ride-share use of company or employee vehicles.
