AAIS COMMERCIAL UMBRELLA LIABILITY COVERAGE AND COMMERCIAL EXCESS/UMBRELLA LIABILITY COVERAGE AVAILABLE ENDORSEMENTS AND THEIR USES

(October 2025)

INTRODUCTION

This listing identifies endorsements available to modify the American Association of Insurance Services (AAIS) Commercial Umbrella Liability Coverage and Excess/Umbrella Liability Coverage. It is organized by endorsement number and title, with a brief description of each endorsement's purpose. This section does not include any endorsements, changes, or amendments that are specific to individual states.

ENDORSEMENT AND FORM NUMBERING

The sequence of letters and numbers in AAIS endorsements has a very specific meaning.

The initial two alphabetic characters indicate the insurance line of business. For example, CU represents either Commercial Umbrella Liability or Commercial Excess/Umbrella Liability Coverage.
The following four digits are the endorsement number.
The remaining digits represent the edition date of the endorsement expressed in month and year format. These digits are not used in this listing.

ENDORSEMENTS AND FORMS DESCRIPTION DISCLAIMER

The brief explanation given for each endorsement is only a summary. A complete review of the entire endorsement, form, notice, or disclosure is necessary to fully understand how it affects the AAIS Commercial Umbrella Liability and/or the commercial Excess/Umbrella Liability Policies.

Just a reminder, each coverage letter corresponds to the following coverage liability:

· Coverage E = Excess Liability (CU 0001)

· Coverage U = Umbrella Liability (CU 0001)

· Coverage L = Bodily Injury and Property Damage Liability (CU 0002)

· Coverage P = Personal and Advertising Injury Liability (CU 0002)

DECLARATIONS AND SCHEDULES

CU 0051–Commercial Excess/Umbrella Liability Declarations

(Use with CU 0001)

This is the declarations used with CU 0001–Commercial Excess/Umbrella Liability Coverage.

CU 0052–Commercial Umbrella Liability Declarations

(Use with CU 0002)

This is the declarations used with CU 0002–Commercial Umbrella Liability Coverage.

CU 0061–Commercial Excess/Umbrella Liability Supplemental Schedule of Underlying Insurance

(Use with CU 0001)

This schedule supplements CU 0051–Commercial Excess/Umbrella Liability Declarations. It has spaces to schedule and identify the named insured's other underlying coverages, carriers, limits, and policy periods.

CU 0062–Commercial Umbrella Liability Supplemental Schedule of Underlying Insurance

(Use with CU 0002)

This schedule supplements CU 0052–Commercial Umbrella Liability Declarations. It has spaces to schedule and identify the named insured's other underlying coverages, carriers, limits, and policy periods.

ENDORSEMENTS

CU 0401–Extended Reporting Period – Coverage E

(Use with CU 0001)

This optional endorsement provides an extended reporting period for Coverage E—Excess Liability, which begins after the policy ends and lasts up to three years. The schedule must include the premium, coverage description, and the number of years for the extended reporting period if the number of years is less than or greater than three years.

CU 0403–Exclusion – Data Breach Liability – Coverages E and U (09 14 edition)

(Use with CU 0001)

This mandatory exclusion endorsement removes coverage for Coverage E—Excess Liability and Coverage U—Umbrella Liability for damages due to bodily injury, property damage, and personal and advertising injuries from breach of confidential information or inability to access data records. It also excludes the expenses related to credit monitoring, notification, forensic investigation, and legal research.

CU 0404–Exclusion – Data Breach Liability – Coverages L and P (09 14 edition)

(Use with CU 0002)

This mandatory exclusion endorsement removes coverage for Coverage L—BI/PD Liability—Bodily Injury and Property Damage Liability and Coverage P—Personal and Advertising Injury Liability, due to breach of confidential information or the inability to access data records. It also excludes the expenses related to credit monitoring, notification, forensic investigation, and legal research.

CU 0701–Exclusion–Fungus or Related Perils–Contracting Operations – Coverages E and U

(Use with CU 0001)

This optional exclusion endorsement removes coverage for bodily injury, property damage, or personal and advertising injury under Coverage E—Excess Liability and Coverage U—Umbrella Liability arising out of fungus or related issues, including cleanup costs, testing, and claims from government agencies as specified in the endorsement.

This endorsement differs from CU 0702 by excluding damages related to the named insured’s work and liability assumed by contract.

CU 0702–Exclusion–Fungus or Related Perils – Coverages E and U

(Use with CU 0001)

This optional exclusion endorsement is similar to the CU 0701, but it does not exclude work-related fungus or liability assumed by contract. It also includes exceptions for fungus related to human consumption and specific farm-related injuries.

CU 0703–Exclusion–Damage to Work Performed by You or on Your Behalf – Coverages E and U

(Use with CU 0001)

This optional exclusion endorsement removes coverage for property damage to work done by the insured if the damage arises from the insured’s work or any part of it and is part of the products/completed work hazard.

CU 0704–Exclusion–Damage to Work Performed by You or on Your Behalf–Designated Locations or Projects – Coverages E and U

(Use with CU 0001)

This optional exclusion endorsement is identical to CU 0703, except it applies only to the project or location listed on the endorsement schedule.

CU 0705–Exclusion–Exterior Insulation and Finish Systems – Coverages E and U

(Use with CU 0001)

This optional endorsement excludes coverage for bodily injury, property damage, or personal and advertising injury under Coverage E—Excess Liability and Coverage U—Umbrella Liability arising from exterior insulation and finish systems, as specified in the endorsement.

CU 0706–Exclusion–Auto Liability – Coverage E

(Use with CU 0001)

This optional endorsement excludes coverage for bodily injury or property damage under Coverage E—Excess Liability arising from any aspect of any auto.

CU 0707–Exclusion–Designated Auto – Coverage E

(Use with CU 0001)

This optional endorsement excludes coverage for bodily injury or property damage under Coverage E—Excess Liability arising from any aspect of a specifically listed owned auto on the endorsement schedule.

CU 0708–Exclusion–Non-Owned Auto Liability Coverage and Hired Auto Liability Coverage – Coverage E

(Use with CU 0001)

This optional endorsement excludes coverage for bodily injury or property damage under Coverage E—Excess Liability arising from the named insured or its employees using non-owned or hired autos in the course of the named insured's business.

CU 0709–Exclusion–Contractual Liability – Coverage U

(Use with CU 0001)

This optional endorsement exclusion replaces the contractual exclusion under Coverage U—Umbrella Liability to eliminate all contractual liability coverage.

CU 0710–Exclusion–Contractual Liability – Coverage E

(Use with CU 0001)

This optional endorsement excludes coverage for bodily injury or property damage liability under Coverage E—Excess Liability, which the insured assumes under a contract or agreement.

CU 0711–Exclusion–Products/Completed Work Hazard – Coverages E and U

(Use with CU 0001)

This optional endorsement excludes bodily injury or property damage liability under Coverage E—Excess Liability and Coverage U—Umbrella Liability, specifically for products/completed work hazards.

CU 0712–Exclusion–Products/Completed Work Hazard – Coverage U

(Use with CU 0001)

This optional endorsement excludes bodily injury or property damage liability from the products/completed work hazard, but only with respect to Coverage U—Umbrella Liability.

Coverage E—Excess Liability still provides this coverage.

CU 0713–Exclusion–Designated Products – Coverages E and U

(Use with CU 0001)

This optional endorsement exclusion is similar to CU 0712, except for two differences. The exclusion only applies to the specific product(s) listed on the endorsement schedule, and the endorsement applies to both Coverage U—Umbrella Liability and Coverage E—Excess Liability Coverage.

CU 0714–Exclusion–Designated Work – Coverages E and U

(Use with CU 0001)

This optional endorsement exclusion is similar to CU 0713, except this exclusion only applies to the specific work listed on the endorsement schedule.

CU 0715–Exclusion–Designated Premises – Coverages E and U

(Use with CU 0001)

This optional endorsement exclusion is the opposite of CU 1013–Liability Coverage–Designated Premises. It excludes injury or damage arising from owning, maintaining, or using the premises listed on the endorsement schedule. Additionally, it excludes necessary or incidental operations connected to owning, maintaining, or using those designated premises.

CU 0716–Exclusion–Designated Projects – Coverages E and U

(Use with CU 0001)

This optional endorsement is the opposite of CU 1014–Liability Coverage–Designated Projects. It excludes injury or damage arising from the named insured's projects listed on the endorsement schedule when they occur away from the premises it owns or rents.

CU 0717–Exclusion–Personal and Advertising Injury Liability – Coverages E and U

(Use with CU 0001)

This optional endorsement excludes coverage for personal and advertising injury, removing all references to it except its definition.

CU 0718–Exclusion–Real Property–Care, Custody, and Control – Coverages E and U

(Use with CU 0001)

This optional endorsement excludes property damage to real property the named insured owns, occupies, rents, or uses or in the insured's care, custody, or control.

It also excludes costs or expenses the named insured, other individuals, or entities incur to maintain, replace, repair, or retrofit such property for any reason.

CU 0719–Exclusion–Professional Liability – Coverage E

(Use with CU 0001)

This optional endorsement excludes injuries or damage arising from providing or failing to provide professional services.

CU 0720–Exclusion–Employee Benefits Liability – Coverage E

(Use with CU 0001)

This optional endorsement excludes injury or damage to an employee due to the insured's negligent acts, errors, or omissions in administering a defined employee benefit program. It also applies to individuals for whom the insured is legally responsible due to their actions.

CU 0721–Exclusion–Liquor Liability – Coverage E

(Use with CU 0001)

This optional endorsement excludes liability for bodily injury or property damage caused by any insured due to various liquor liability exposures. An exception applies for bodily injury or property damage the underlying insurance covered but for which the policy limits have been exhausted.

CU 0722–Exclusion–Watercraft Liability – Coverage E

(Use with CU 0001)

This optional endorsement excludes injury or damage arising from any aspect of any watercraft.

CU 0723–Exclusion–Designated Watercraft – Coverage E

(Use with CU 0001)

This optional endorsement excludes coverage for injury or damage arising from watercraft specifically listed on the endorsement schedule, regardless of how they are used.

CU 0724–Exclusion–Cross Liability – Coverages E and U

(Use with CU 0001)

This optional endorsement excludes bodily injury, property damage, or personal and advertising injury that one insured commits against another insured.

CU 0725–Exclusion–Punitive Damages – Coverages E and U

(Use with CU 0001)

This optional endorsement excludes coverage for exemplary or punitive damages. It also excludes attorney fees, costs, interest, or damages related to such awards. However, it offers defense coverage for suits filed against an insured seeking both compensatory and punitive or exemplary damages for covered incidents or offenses.

NOTE: This may be a mandatory endorsement in some states.

CU 0726–Exclusion–Employers Liability – Coverage E

(Use with CU 0001)

This optional endorsement excludes bodily injury to the insured's employee or consequential injuries to their relatives during employment or while performing duties related to the insured's business. However, it does include coverage for liability the insured assumes under a covered contract.

CU 0727–Exclusion–Directors and Officers Professional Liability – Coverage E

(Use with CU 0001)

This optional endorsement excludes injury or damage due to any breach of duty, error, act, or omission committed by the named insured's executive officers or directors while performing their duties as such. An exception is made for injuries or damages covered by the underlying policy (excluding professional liability), if those limits have been exhausted.

CU 0728–Exclusion–Communicable Disease – Coverages E and U

(Use with CU 0001)

This optional endorsement excludes bodily injury, property damage, or personal and advertising injury arising from transmission of communicable diseases. Transmission can happen through people, the insured's property, or property of others in the insured's care, custody, or control. This exclusion also includes cleanup costs, testing expenses, and costs due to claims by government agencies.

CU 0729–Exclusion–Communicable Disease–Limited Products Excepted – Coverages E and U

(Use with CU 0001)

This optional endorsement is the same as CU 0728, except it includes bodily injury or property damage when the communicable disease is transmitted through products intended for consumption or topical application to either animals or humans.

CU 0730–Exclusion–Umbrella Liability – Coverage U

(Use with CU 0001)

This optional endorsement is used to completely delete Coverage U–Umbrella Liability and eliminate all references to it.

CU 0731–Exclusion–Designated Ongoing Operation – Coverages E and U

(Use with CU 0001)

This optional endorsement excludes bodily injury, property damage, or personal and advertising injury arising from the specific ongoing operation listed on the endorsement schedule. If a designated location is also listed, the exclusion applies only at that location.

CU 0732–Exclusion–Abuse or Molestation – Coverages E and U

(Use with CU 0001)

This optional endorsement excludes coverage for bodily injury, property damage, or personal and advertising injury arising from abuse or molestation while in the insured’s care, custody, or control. It also excludes coverage for the perpetrator and any negligence claimed against any party due to actions that could have prevented such abuse.

CU 0733–Exclusion–Athletic or Sports Participants – Coverages E and U

(Use with CU 0001)

This optional endorsement excludes bodily injury to anyone participating in sports or athletic activities sponsored by the named insured.

CU 0734–Exclusion–Intercompany Products Suits – Coverages E and U

(Use with CU 0001)

This optional endorsement excludes any claims for damages that one insured makes against another insured due to bodily injury or property damage arising from products included in the products/completed work hazard.

CU 0735–Exclusion–Property in Your Custody – Coverages E and U

(Use with CU 0001)

This optional endorsement excludes coverage for property damage to property the named insured has for safe storage or to property on premises the named insured owns or rents. This exclusion applies only to the specific operations listed on the endorsement schedule.

CU 0736–Exclusion–Total Pollution – Coverage E

(Use with CU 0001)

This optional endorsement excludes bodily injury or property damage arising from pollutants at any time. It also applies to cleanup costs, testing expenses, and costs due to claims by government agencies.

CU 0737–Exclusion–Total Pollution with Hostile Fire Exception – Coverage E

(Use with CU 0001)

This optional endorsement is identical to CU 0736, but it does not exclude bodily injury or property damage arising from hostile fire.

CU 0738–Exclusion–Total Pollution with Building Equipment and Hostile Fire Exceptions – Coverage E

(Use with CU 0001)

This optional endorsement is identical to CU 0736, but with certain conditions, it does not exclude bodily injury or property damage arising from various types of building equipment or hostile fire.

CU 0739–Expanded Liquor Liability Exclusion – Coverage E

(Use with CU 0001)

This optional endorsement excludes bodily injury or property damage liability for any insured related to liquor liability exposures. It is more restrictive than typical liquor exclusions because it also applies if serving alcohol requires a license, even if it is done without charge. An exception exists if bodily injury or property damage is covered by the underlying insurance, but the coverage limits have been exhausted.

CU 0740–Expanded Liquor Liability Exclusion–Exception for Scheduled Events – Coverage E

(Use with CU 0001)

This endorsement is the same as CU 0739, except event(s) listed on the endorsement schedule are not excluded.

CU 0741–Exclusion – Data Breach Liability – Personal and Advertising Injury – Coverage E and U

(Use with CU 0001)

When this optional endorsement is used, the mandatory CU 0403–Exclusion – Data Breach Liability – Coverages E and U are not applicable. This exclusion closely resembles CU 0403 but only excludes personal and advertising injury, meaning coverage for bodily injury and property damage still applies.

CU 0801–Exclusion–Fungus or Related Perils–Contracting Operations – Coverages L and P

(Use with CU 0002)

This optional endorsement excludes bodily injury, property damage, or personal and advertising injury arising from fungus or related perils, including cleanup, testing costs, and costs from claims by government entities as defined. Unlike CU 0802, it also excludes damages related to the named insured's work if involved in contracting operations.

CU 0802–Exclusion–Fungus or Related Perils – Coverages L and P

(Use with CU 0002)

This optional endorsement is the same as CU 0801, but it does not exclude the following:

bodily injury caused by fungus grown or harvested for human consumption, or from a food- or beverage-borne bacterium that causes illness.
injuries an employee sustains during work related to the insured's farming activities, provided these injuries are covered by the policy.

CU 0803–Exclusion–Damage to Work Performed by You or on Your Behalf – Coverage L

(Use with CU 0002)

This optional endorsement eliminates the subcontractor exception included in exclusion aa.

CU 0804–Exclusion–Damage to Work Performed by You or on Your Behalf–Designated Locations or Projects – Coverage L

(Use with CU 0002)

This optional endorsement is identical to CU 0803, but it only applies to the project(s) or location(s) specified on the endorsement schedule.

CU 0805–Exclusion–Exterior Insulation and Finish Systems – Coverages L and P

(Use with CU 0002)

This optional endorsement excludes bodily injury, property damage, or personal and advertising injury arising from exterior insulation and finish systems (EFIS) as specified in the endorsement.

CU 0806–Exclusion–Auto Liability – Coverage L

(Use with CU 0002)

This optional endorsement excludes bodily injury or property damage arising from any aspect of owned autos.

CU 0807–Exclusion–Designated Auto – Coverage L

(Use with CU 0002)

This optional endorsement excludes bodily injury or property damage related to any specific owned auto(s) listed on the endorsement schedule.

CU 0808–Exclusion–Non-Owned Auto Liability Coverage and Hired Auto Liability Coverage – Coverage L

(Use with CU 0002)

This optional endorsement excludes bodily injury or property damage arising from the named insured or their employees using non-owned or hired autos during the course of their business.

CU 0809–Exclusion–Contractual Liability – Coverage L

(Use with CU 0002)

This optional endorsement replaces the contractual exclusion and eliminates all contractual liability coverage.

CU 0810–Exclusion–Products/Completed Work Hazard – Coverage L

(Use with CU 0002)

This optional endorsement excludes liability for bodily injury or property damage the products/completed work hazard includes.

CU 0811–Exclusion–Designated Products – Coverage L

(Use with CU 0002)

This optional endorsement is identical to CU 0810, except the exclusion only applies to the specific product(s) listed on the endorsement schedule.

CU 0812–Exclusion–Designated Work – Coverage L

(Use with CU 0002)

This optional endorsement is identical to CU 0810, except this exclusion only applies to the insured’s specific work listed on the endorsement schedule.

CU 0813–Exclusion–Designated Premises– Coverages L and P

(Use with CU 0002)

This optional endorsement is the opposite of CU 1020–Liability Coverage–Designated Premises. It excludes injury or damage arising from owning, maintaining, or using the premises listed on the endorsement schedule. Additionally, it excludes necessary or incidental operations related to owning, maintaining, or using the designated premises.

CU 0814–Exclusion–Designated Projects – Coverages L and P

(Use with CU 0002)

This optional endorsement is the opposite of CU 1021–Liability Coverage–Designated Projects. It excludes injury or damage occurring away from the premises the named insured owns or rents, arising from the project(s) listed on the endorsement schedule.

CU 0815–Exclusion–Personal and Advertising Injury Liability – Coverage P

(Use with CU 0002)

This optional endorsement excludes coverage for personal and advertising injury, deleting all references to it except for its definition.

CU 0816–Exclusion–Real Property – Care, Custody, and Control–Coverage L

(Use with CU 0002)

This optional endorsement excludes property damage to all real property the named insured owns, occupies, rents, or uses or in the insured's care, custody, or control. It also excludes costs or expenses the named insured, other persons, or entities incur to maintain, replace, repair, or retrofit any such property for any reason.

CU 0817–Exclusion–Cross Liability – Coverages L and P

(Use with CU 0002)

This optional endorsement excludes coverage for bodily injury and property damage under Coverage L—BI/PD Liability and Coverage P—Personal and Advertising Injury, when one insured commits against another insured.

CU 0818–Exclusion–Punitive Damages – Coverages L and P

(Use with CU 0002)

NOTE: This may be a mandatory endorsement in some states.

CU 0819–Exclusion–Communicable Disease – Coverages L and P

(Use with CU 0002)

CU 0820–Exclusion–Communicable Disease–Limited Products Excepted – Coverages L and P

(Use with CU 0002)

This optional endorsement is the same as CU 0819, except it includes bodily injury or property damage when the communicable disease is transmitted through products intended for consumption or topical application to either animals or humans.

CU 0821–Exclusion–Abuse or Molestation – Coverages L and P

(Use with CU 0002)

CU 0822–Exclusion–Athletic or Sports Participants – Coverage L

(Use with CU 0002)

This optional endorsement excludes bodily injury to anyone participating in sports or athletic activities sponsored by the named insured.

CU 0823–Exclusion–Designated Ongoing Operation – Coverages L and P

(Use with CU 0002)

This optional endorsement excludes bodily injury, property damage, or personal and advertising injury arising from the specific ongoing operation(s) listed on the endorsement schedule. If a designated location is also listed, the exclusion applies only at that location.

CU 0824–Exclusion–Total Pollution – Coverage L

(Use with CU 0002)

CU 0825–Exclusion–Total Pollution with Hostile Fire Exception – Coverage L

(Use with CU 0002)

This optional endorsement is the same as CU 0824, but it does not exclude bodily injury or property damage arising from hostile fire.

CU 0826–Exclusion–Total Pollution with Building Equipment and Hostile Fire Exceptions – Coverage L

(Use with CU 0002)

This optional endorsement is identical to CU 0824, but with certain conditions, it does not exclude bodily injury or property damage arising from various types of building equipment or hostile fire.

CU 0827–Exclusion–Property in Your Custody – Coverage L

(Use with CU 0002)

CU 0828–Exclusion–Intercompany Products Suits – Coverage L

(Use with CU 0002)

CU 0829–Expanded Liquor Liability Exclusion – Coverage L

(Use with CU 0002)

CU 0830–Expanded Liquor Liability Exclusion–Exception for Scheduled Events – Coverage L

(Use with CU 0002)

This endorsement is identical to CU 0829, except event(s) listed on the endorsement schedule are not excluded.

CU 0831–Exclusion–Explosion, Collapse, and Underground Property Damage Hazard (Designated Operations Excepted) – Coverage L

(Use with CU 0002)

This optional endorsement defines property damage covered under hazards such as collapse, explosion, and underground damage, and then excludes it from the policy. The exclusion applies to the location and operations listed on the endorsement schedule.

However, exceptions apply to this exclusion:

Operations performed on behalf of the named insured are covered.
Property damage in the products/completed work hazard is covered.
Covered hazard(s) selected on the schedule are covered.

CU 0832–Exclusion–Explosion, Collapse, and Underground Property Damage Hazard (Designated Operations) – Coverage L

(Use with CU 0002)

This optional endorsement is similar to CU 0831, but selecting a specific hazard box excludes that hazard instead of including it. Hazards not checked remain covered.

CU 0833–Exclusion – Data Breach Liability – Personal and Advertising Injury – Coverage P

(Use with CU 0002)

When this optional endorsement is used, the mandatory CU 0404–Exclusion – Data Breach Liability – Coverages L and P is not applicable. This exclusion closely resembles CU 0404, but only excludes personal and advertising injury, meaning coverage for bodily injury and property damage still applies.

CU 1001–Change Endorsement

This optional endorsement is used to make mid-term policy changes. However, it cannot modify terms, conditions, provisions, or exclusions, nor can it serve as a renewal certificate.

CU 1002–Contractual Liability Limitation – Coverage U

(Use with CU 0001)

This optional endorsement amends the definition of a covered contract to include only the five specific contracts listed, subject to certain conditions.

lease of premises
easement or license agreement
responsibility to indemnify a municipality if required by an ordinance
sidetrack agreement
elevator maintenance agreement

CU 1003–Amendment–Aggregate Limits of Insurance (Per Location) –Coverages E and U

(Use with CU 0001)

This optional endorsement modifies the General Aggregate Limit to apply separately at each location owned or rented by the named insured.

CU 1004–Amendment–Aggregate Limits of Insurance (Per Project) – Coverages E and U

(Use with CU 0001)

This optional endorsement modifies the General Aggregate Limit to apply separately to each project located away from the locations owned or rented by the named insured.

CU 1005–Professional Liability Limitation – Coverage E

(Use with CU 0001)

This optional endorsement excludes professional liability coverage, except for the service specified on the endorsement schedule.

CU 1006–Coverage Territory Limitation – Coverage U

(Use with CU 0001)

This is a limiting endorsement. It replaces worldwide coverage with coverage that applies only in the United States of America, its territories and possessions, Puerto Rico, and Canada. It provides limited worldwide coverage for business travel, products, and personal and advertising injury, all subject to certain conditions.

CU 1007–Limited Data Records Coverage – Coverage E (09 14 change)

(Use with CU 0001)

This optional endorsement provides limited coverage for Coverage E—Excess Liability concerning damages from data loss, modification, or inaccessibility caused by physical harm to property. However, it still excludes bodily injury, property damage, or injuries related to data breaches. Costs like credit monitoring, notifications, forensic investigations, and legal research are also not covered. An insurance limit must be specified on the endorsement.

This optional endorsement is offered due to the implementation of mandatory CU 0403 Exclusion – Data Breach Liability – Coverages E and U. It follows the same change in exclusion m. Data Records, but then makes a small addition to cover loss of records caused by physical injury or destruction of tangible property.

CU 1008–Insured–Amended Definition–Employees and Volunteer Workers are not Insureds – Coverages E and U

(Use with CU 0001)

This optional endorsement changes the definition of insured to exclude employees and volunteer workers. However, there is an exception under Coverage E—Excess Liability for any employee or volunteer who is included as an insured or additional insured in the underlying auto insurance, or if the underlying coverage includes employees and volunteers.

CU 1009–Deletion of Employment-Related Practices Liability Exclusion – Coverage E

(Use with CU 0001)

This optional endorsement fully removes the employment-related practices exclusion from Coverage E—Excess Liability.

CU 1010–Amended Definition–New Entities are not Insureds – Coverages E and U

(Use with CU 0001)

This optional endorsement modifies the definition of “you and your” to exclude organizations or entities the named insured newly forms or acquires during the policy period.

CU 1011–Products/Completed Work Hazard Expanded Definition – Coverage E

(Use with CU 0001)

This optional endorsement broadens the products hazard definition by removing the need for injury or damage to occur away from the premises. It only applies to products used at the premises or as part of the operation described in the schedule.

CU 1012–Waiver of Subrogation

(Use with CU 0001)

This optional endorsement permits the insurance company to waive its rights of recovery against the party listed on the endorsement schedule for payments made due to injury or damage arising from the following:

The named insured's ongoing operations.
The named insured's work performed under a contract with the party and included in the products/completed work hazard.

NOTE: This endorsement may be unnecessary because the named insured can waive rights of recovery in writing at any time before a loss. However, some entities might require this endorsement as a safeguard.

CU 1013–Liability Coverage–Designated Premises – Coverage E

(Use with CU 0001)

This optional endorsement is used to exclude Coverage E—Excess Liability for injury or damage from owning, maintaining, or using premises other than those premises explicitly described on the schedule, or from operations essential or related to owning, maintaining, or using premises other than the specified premises.

CU 1014–Liability Coverage–Designated Projects – Coverage E

(Use with CU 0001)

This optional endorsement provides coverage exclusively for injuries or damages linked to the insured’s specific project(s) listed on the endorsement schedule.

CU 1015–Contractual Liability Limitation

(Use with CU 0002)

This endorsement modifies the definition of covered contracts under contractual liability coverage, limiting it to only six specific listed contracts, subject to certain conditions.

lease of premises
easement or license agreement
obligation to compensate a municipality if mandated by an ordinance
sidetrack agreement
elevator maintenance agreement
any part of any contract or agreement related to the conduct of the named insured's business involving the rental or lease of an auto by the named insured or their employees.

CU 1016–Amendment–Aggregate Limits of Insurance (Per Location) – Coverages L and P

(Use with CU 0002)

This optional endorsement modifies the Aggregate Limit to apply separately to each location owned or rented by the named insured.

CU 1017–Amendment–Aggregate Limits of Insurance (Per Project )– Coverages L and P

(Use with CU 0002)

This optional endorsement amends the Aggregate Limit to apply separately to each project away from locations the named insured owns or rents.

CU 1018–Professional Liability Limitation – Coverages L and P

(Use with CU 0002)

This optional endorsement is used to extend coverage to the professional service(s) specified on the endorsement schedule.

CU 1019–Coverage Territory Limitation

(Use with CU 0002)

This optical endorsement limits coverage. It replaces worldwide coverage with coverage that applies only in the United States, its territories and possessions, Puerto Rico, and Canada. It also provides limited worldwide coverage for business travel, products, and personal and advertising injury, all subject to certain conditions.

CU 1020–Liability Coverage–Designated Premises – Coverages L and P

(Use with CU 0002)

This optional endorsement provides coverage for injury or damage arising from owning, maintaining, or using only the premises listed on the endorsement schedule. It also covers necessary or incidental operations related to owning, maintaining, or using the designated premises.

CU 1021–Liability Coverage–Designated Projects – Coverages L and P

(Use with CU 0002)

This optional endorsement provides coverage for injury or damage arising from the named insured's projects specifically listed on the endorsement schedule.

CU 1022–Limited Data Records Coverage – Coverage L and P (09 14 change)

(Use with CU 0002)

This optional endorsement provides limited coverage for Coverage L—BI/PD Liability and Coverage P—Personal and Advertising Injury Liability concerning damages from data loss, modification, or inaccessibility caused by physical harm to property. However, it still excludes bodily injury, property damage, or injuries related to data breaches. Costs like credit monitoring, notifications, forensic investigations, and legal research are also not covered. An insurance limit must be specified on the endorsement.

This optional endorsement is offered due to the implementation of mandatory CU 0404 Exclusion – Data Breach Liability – Coverages L and P. It follows the same change in exclusion ee.—data records under coverage L, but then makes a small addition to cover loss of records caused by physical injury or destruction of tangible property.

CU 1023–Insured–Amended Definition–Employees and Volunteer Workers are not Insureds – Coverage L

(Use with CU 0002)

This optional endorsement amends the definition of insured to exclude employees and volunteer workers. It also modifies the exclusions to ensure employees engaged with aircraft and watercraft remain excluded.

CU 1024–Amended Definition–New Entities are not Insureds – Coverages L and P

(Use with CU 0002)

This optional endorsement modifies the definition of “you and your” to exclude organizations or entities the named insured newly forms or acquires during the policy period.

CU 1026–Waiver of Subrogation

(Use with CU 0002)

The named insured's ongoing operations.
The named insured's work performed under a contract with the party and included in the products/completed work hazard.

CU 1027–Personal and Advertising Injury Liability–Limited Contractual Liability Coverage – Coverage P

(Use with CU 0002)

This optional endorsement removes coverage for covered contracts. It then reinstates contractual liability coverage, but only for liabilities the insured would have had if there were no contract or agreement, or for false arrest, detention, or imprisonment.

CU 1028–Known Injury or Damage Amendment – Coverage E

(Use with CU 0001)

This endorsement amends the insuring agreement to specify that coverage only applies to bodily injury or property damage that is not a resumption, continuation, or change of any such injury or damage that the named insured was aware of before the policy period began.

CU 1029–Cancellation Amendment–Lessor of Autos

(Use with CU 0002)

This is an optional endorsement the named insured can use when renting or leasing a vehicle that requires the insured to provide primary coverage for the lessor. The lessor might also require notice if the coverage is cancelled. This endorsement identifies the lessor and the leased vehicle, ensuring relevant notices are sent.

CU 1030–Claims-Made Coverage – Coverages L and P

(Use with CU 0002)

This optional endorsement provides coverage on a claims-made basis over underlying insurance written on a claims-made basis. It automatically includes a five-year Basic Extended Reporting Period.

CU 1031–Supplemental Extended Reporting Period

(Use with CU 0002)

This optional endorsement is used with CU 0130–Claims-Made Coverage–Coverages L and P. It provides a separate supplemental extended reporting period aggregate limit equal to the aggregate limit on the declarations. It applies to claims first received and recorded during the supplemental extended reporting period.

CU 1032–Fellow Employee Auto Coverage – Coverage L

(Use with CU 0002)

This optional endorsement provides coverage for the liability of the named insured's employee if they injure a fellow employee while operating a vehicle.

CU 1033–Auto Coverage–Individual Named Insured – Coverage L

(Use with CU 0002)

This optional endorsement provides coverage for an employee's liability if they cause bodily injury to a fellow employee. It also applies to injuries caused by a covered auto to a fellow employee's resident family member. This endorsement clarifies who resident family members are and expands the definition of “you and yours” to include a resident spouse.

CU 1034–Following Form Pollution Coverage – Coverage L

(Use with CU 0002)

This optional endorsement initially excludes all pollution coverage, but it then adds back coverage the underlying insurance provides or would have provided except that its limits were exhausted.

CU 1035–Employee Redefined– Coverage L

(Use with CU 0002)

This optional endorsement modifies the definition of employee to exclude leased workers. However, it only applies to the employer's liability exclusion under Coverage L exclusion n.

CU 1036–Coverage E–Employee Benefits Liability Coverage– Claims-Made Basis

(Use with CU 0002)

This optional endorsement covers the amounts an insured is legally required to pay as damages for injuries to an employee. The injury must be caused by a negligent act, error, or omission related to administering an employee benefits program.

The endorsement schedule must be completed. It includes spaces for the limits of each claim, the aggregate limit, the retained limit, the retroactive date, and the names of any additional insurance, plans, or benefits.

NOTE: This endorsement is a separate Coverage Form. The fact that it is called Coverage E might be confusing, because CU 0001 refers to its excess coverage as Coverage E—Excess Liability.

CU 1037–Coverage E–Employee Benefits Liability Coverage–Supplemental Extended Reporting Period

(Use with CU 0002)

This optional endorsement provides a separate, supplemental extended reporting period aggregate limit, equal to the aggregate limit for employee benefits liability coverage. It applies to claims first received/recorded during this supplemental extended reporting period, which begins after the basic extended period ends.

CU 1038–Coverage Z–Employment Practices Liability–Claims-Made Basis

(Use with CU 0002)

This optional endorsement provides coverage for liability arising from wrongful employment practices. The endorsement schedule must be completed. It includes fields for the limits of each claim, the aggregate limit, the retained limit, and the retroactive date. This endorsement is a separate Coverage Form. It is a claims-made policy, and defense costs are included within the limits.

CU 1039–Coverage Z–Employment Practices Liability–Extended Reporting Period

(Use with CU 0002)

This optional endorsement provides a three-year extended reporting period starting after the policy period ends. A different number of years can be specified on the endorsement schedule. The separate aggregate limit matches the Coverage Z–Employment Practices Liability Aggregate Limit. It applies to claims covered under the extended reporting period that occurred after the retroactive date, before the policy's end, and were first reported during the extended reporting period.

CU 1301–Certified Terrorism Loss (01 15)

This optional endorsement provides coverage for losses resulting from a certified act of terrorism, as defined in the endorsement. The definition aligns with the Terrorism Risk Insurance Program Reauthorization Act (TRIPRA) and specifies the annual limit on certified terrorism losses.

CU 1302–Certified Act of Terrorism Exclusion (01 15)

(Use with CU 0001)

This optional endorsement excludes injury or damages under Coverage E—Excess Liability and U—Umbrella Liability if caused by a certified act of terrorism.

CU 1303–Terrorism Exclusion for Auto Bodily Injury or Property Damage

(Use with CU 0001)

This optional endorsement excludes coverage for bodily injury or property damage under Coverage E—Excess Liability when the loss arises from terrorism related to the ownership, maintenance, use, occupancy, renting, operation, loaning, entrusting, supervision, or loading or unloading of an auto covered by the underlying insurance.

CU 1305–Certified Act of Terrorism Exclusion (01 15)

(Use with CU 0002)

This optional endorsement excludes coverage for any injury or damage under Coverage L—BI/PD Liability and Coverage P—Personal and Advertising Injury Liability when caused by a certified act of terrorism.

CU 1306–Terrorism Exclusion for Auto Bodily Injury or Property Damage

(Use with CU 0002)

This optional endorsement excludes coverage for bodily injury or property damage under Coverage L—BI/PD Liability arising from terrorism related to owning, maintaining, using, occupying, renting, operating, loaning, entrusting, supervising, or loading or unloading a covered auto.

CU 1307–Conditional Terrorism Exclusion (08 13 edition)

(Use with CU 0001)

This endorsement provides conditional coverage excluding terrorism losses if there's uncertainty about the federal Terrorism Risk Insurance Program's status during the policy term. It defines terrorism and provides an exception under Coverage E—Excess Liability and U for losses from nuclear, biological, chemical, or other terrorist events if monetary or injury thresholds are met first.

Additionally, it addresses cases where the underlying policy is claims-made, and existing exclusions still apply to terrorism incidents not covered by the Terrorism Exclusion added to the policy.

CU 1308–Conditional Terrorism Exclusion (08 13 edition)

(Use with CU 0002)

This endorsement provides conditional coverage excluding terrorism losses if there's uncertainty about the federal Terrorism Risk Insurance Program's status during the policy term. It defines terrorism and provides an exception under Coverage L—BI/PD Liability and Coverage P—Personal and Advertising Liability for losses from nuclear, biological, chemical, or other terrorist events, provided that monetary or injury thresholds are first met.

Additionally, it addresses cases where the underlying policy is claims-made, and existing exclusions still apply to terrorism incidents not covered by the Terrorism Exclusion added to the policy.

Related Article: 310.6-3, Terrorism–American Association of Insurance Services (AAIS) Forms

CU 1309–Conditional Nuclear, Biological, and Chemical Terrorism Exclusion (08 13 edition)

(Use with CU 0001)

This endorsement provides conditional coverage, excluding terrorism losses if there's uncertainty about the federal Terrorism Risk Insurance Program's status during the policy period. It defines terrorism and includes an exclusion under Coverage E—Excess Liability and Coverage U—Umbrella Liability for terrorism losses caused by nuclear, biological, or chemical means.

Additionally, it addresses cases where the underlying policy is claims-made, and existing exclusions still apply to terrorism incidents not covered by the Terrorism Exclusion added to the policy.

CU 1310–Conditional Nuclear, Biological, and Chemical Terrorism Exclusion (08 13 edition)

(Use with CU 0002)

This endorsement provides conditional coverage, excluding terrorism losses if there's uncertainty about the federal Terrorism Risk Insurance Program's status during the policy period. It defines terrorism and includes an exclusion under Coverage L—BI/PD Liability and Coverage P—Personal and Advertising Liability for terrorism losses caused by nuclear, biological, or chemical means.

Additionally, it addresses cases where the underlying policy is claims-made, and existing exclusions still apply to terrorism incidents not covered by the Terrorism Exclusion added to the policy

CU 1311–Terrorism Exclusion (08 13 edition)

(Use with CU 0001)

This optional endorsement excludes terrorism losses after the federal Terrorism Risk Insurance Program has terminated. It defines terrorism and provides an exclusion under Coverage E—Excess Liability and U for losses from nuclear, biological, chemical, or other terrorist events if monetary or injury thresholds are met first.

Additionally, it addresses that existing exclusions still apply to terrorism incidents not covered by the Terrorism Exclusion added to the policy.

CU 1312–Terrorism Exclusion (08 13 edition)

(Use with CU 0002)

This optional endorsement excludes terrorism losses after the federal Terrorism Risk Insurance Program has terminated. It defines terrorism and provides an exclusion under Coverage L—BI/PD Liability and P for losses from nuclear, biological, chemical, or other terrorist events if monetary or injury thresholds are met first.

Additionally, it addresses that existing exclusions still apply to terrorism incidents not covered by the Terrorism Exclusion added to the policy.

CU 1313–Nuclear, Biological, and Chemical Terrorism Exclusion (08 13 edition)

(Use with CU 0001)

This optional endorsement excludes terrorism losses when the policy becomes effective after the federal Terrorism Risk Insurance Program ends. It defines terrorism and adds an exclusion under Coverage E—Excess Liability and Coverage U—Umbrella Liability for terrorism losses caused by nuclear, biological, or chemical methods.

Additionally, it addresses that existing exclusions still apply to terrorism incidents not covered by the Terrorism Exclusion added to the policy.

CU 1314–Nuclear, Biological, and Chemical Terrorism Exclusion (08 13 edition)

(Use with CU 0002)

This optional endorsement excludes terrorism losses when the policy becomes effective after the federal Terrorism Risk Insurance Program ends. It defines terrorism and adds an exclusion under Coverage L—BI/PD Liability and Coverage P—Personal and Advertising Liability for terrorism losses caused by nuclear, biological, or chemical methods.

Additionally, it addresses that existing exclusions still apply to terrorism incidents not covered by the Terrorism Exclusion added to the policy.