What it does
IH 99 35 appears in carrier forms schedules as Exclusion Of Loss Due To Virus Or Bacteria, 03 22 edition, the IH-series counterpart to the filed CM 99 12.
Who needs it
Carriers attach it to keep contamination by viruses and bacteria out of inland marine coverage.
Quoting and selling notes
Explain the exclusion to accounts storing or shipping food, medical or biological goods, where contamination losses need specialty coverage.
Before presenting it
Ask the carrier for the specimen of this endorsement and read it with the coverage form it modifies, since the endorsement only changes the provisions it names. Note it on the proposal so the insured knows how it changes the base form.
