![]() ![]() CA 04 49 11 16 – Primary And Noncontributory – Other Insurance Condition.That being said, in 2016 ISO introduced noncontributory endorsements for both their umbrella and excess policies (and a primary and noncontributory endorsement their BAP): While umbrella and excess policies often extend AI status, whether such status is extended on a primary and/or noncontributory basis may depend on the policy language or statutory or case law dealing with issues such as horizontal vs. On this question, how an umbrella or excess policy responds depends on the language in the form in question. His concern was that the underwriter had told him things in the past that later were determined to be incorrect. It was his impression that you could not add AI status on a primary and noncontributory basis to umbrella and excess policies, but an underwriter told him that, if such status is provided on the underlying policies, it extends to umbrella/excess policies. ![]() About three weeks ago, an agency member submitted a question about primary and noncontributory coverage on umbrella policies. (Thanks to Larry Hunt of the Hunt Insurance Group for pointing out the misleading implication in the original article.)Īlthough I’m no longer a staff member of the Big “I”, I continue as a volunteer faculty member of the Virtual University. Note: This article was revised on Novemto clarify that the new ISO umbrella and excess endorsements extend coverage on a noncontributory, but not primary, basis.
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