What it does
Adds excess coverage for the described business pursuits (activities as an employee) over the underlying business pursuits endorsement.
Who needs it
Employees such as teachers or sales staff who carry HO 24 71 or DL 24 05.
Quoting and selling notes
- Does not cover a business the insured owns.
How the umbrella pieces fit
ISO's personal umbrella program is built from the DL 98 01 policy plus optional endorsements. The program includes excess endorsements for exposures the umbrella does not pick up on its own (business pursuits DL 98 05, home business DL 98 03, home day care DL 98 04, incidental farming DL 98 06, permitted incidental occupancies DL 99 02, broadened home-sharing DL 99 68, transportation network and delivery network driving DL 99 69 to DL 99 71), and exclusion endorsements (designated autos, recreational vehicles, watercraft, motorcycles, motor homes, dogs, unmanned aircraft). Match each excess endorsement to the underlying endorsement on the homeowners or auto policy so the umbrella has something to sit over.
Editions and availability
Current edition 02 15, replacing 10 06. Carriers adopt ISO editions state by state, so an in-force policy may carry an older edition.
