What it does
Adds personal injury coverage under the 03 22 program subject to an aggregate limit.
Who needs it
Homeowners in 2022-program states.
Quoting and selling notes
- Pairs with HO 24 89; check umbrella requirements.
- An aggregate limit can be exhausted by one large claim; compare with the per-occurrence version.
Editions and availability
Editions in use and where they apply: 03 22 (36 jurisdictions).
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.
