Product Update

ISO Exclusions Applicable to Personal and Advertising Injury Discussed in Commercial Liability Insurance


The expanded annotation of Insurance Service Office, Inc.'s (ISO), commercial umbrella liability coverage form continues in this release of Commercial Liability Insurance with a discussion of the 19 exclusions applicable to the form's Coverage B—Personal and Advertising Injury. The fact that provisions of the ISO umbrella closely parallel those of the standard commercial general liability (CGL) policy means that it is easier for insurance professionals, and for insureds themselves, to evaluate how well excess coverage complements and intersects with the primary policy it sits above. For the most part, ISO's umbrella Coverage B closely follows the Coverage B exclusions of the standard CGL and employs the same defined terms. Where there are departures between the two forms, the significance of those differences is noted in the new, expanded annotations.

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