What it does
Adds personal injury coverage subject to an annual aggregate limit.
Who needs it
Homeowners where the carrier offers personal injury only on an aggregate basis.
Quoting and selling notes
- Umbrella policies that drop down for personal injury may require the underlying aggregate (see DL 99 08).
Editions and availability
Editions in use and where they apply: 03 22 (34 jurisdictions); 05 11 (5 jurisdictions: AL, CA, GA, HI, VI).
Section II changes affect umbrella placement. The ISO personal umbrella (DL 98 01) needs its own excess endorsements for business pursuits, home business, home day care and home-sharing exposures, so confirm the umbrella responds before relying on a homeowners endorsement for a business-type exposure.
