June, 2005

ISO Coverage Form

Summary: Insurance Services Office (ISO) has developed a commercial liability umbrella form. The coverage is excess over commercial general liability and automobile liability coverages. The commercial liability umbrella policy (CU 00 01 12 04) provides coverage when aggregate limits of underlying insurance—that is, any policies of insurance listed in the declarations under the schedule of underlying insurance—are exhausted. A self-insured retention applies to exposures not covered by underlying insurance.