ISO Commercial Umbrella Form Analyses Provided in Commercial Liability Insurance
This Commercial Liability Insurance release
continues the annotation of the commercial umbrella coverage form developed by
Insurance Services Office, Inc. (ISO), with detailed analyses of the
"Who Is an
Insured" section of the form and the conditions section. Like
the rest of ISO's commercial umbrella form, these sections of the policy
are adapted from the corresponding provisions of the standard commercial
general liability (CGL) and business auto coverage forms. Special notice and
explanatory attention are given in the annotations to the points at which the
three standard coverage forms diverge. For example, insured status for
employees under the umbrella form makes no exception for professional medical
services provided by employees (as the CGL form does) since the umbrella
excludes professional healthcare services from coverage altogether. On the
other hand, the umbrella specifically excludes injury to fellow employees from
the insured status otherwise granted to employees—a restriction that is not
necessary in the business auto policy, which does not apply to coemployee
injury in the first place.
Special attention is given to the umbrella policy conditions that have no
counterpart in primary general liability coverage forms—Appeals, Loss Payable,
Transfer of Defense, Maintenance of Underlying, and Expanded Coverage
Territory—as well as to the umbrella form's "Other Insurance"
provision, which differs substantially from the CGL condition of the same
name.