What it does
The excess form is otherwise excess over and non-contributing with all other insurance. CX 24 32, introduced in ISO's 2023 umbrella and excess filing, changes that for additional insureds whose contracts require noncontributory coverage responding in a stated order. CU 24 77 is the umbrella counterpart.
Who needs it
Contractors and vendors whose contracts require primary and noncontributory excess coverage.
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
- Pair with the matching CGL and umbrella endorsements.
