What it does
CU 22 35 matches the umbrella to underlying "non-trucking use" auto coverage bought by owner-operators leased to a motor carrier, so the umbrella does not cover the truck while it is operating under the carrier's authority, where the motor carrier's insurance responds.
Who needs it
Owner-operators leased to motor carriers.
How it fits the umbrella
ISO umbrella endorsements are listed on the umbrella declarations and change the CU 00 01 coverage form. Many are designed to follow a matching CGL, auto or employers liability endorsement so that the umbrella and the underlying policies respond the same way; when you add the underlying endorsement, ask whether the umbrella needs its counterpart.
Quoting and selling notes
- Explain to the owner-operator that dispatched trips are excluded and covered under the motor carrier's policy.
