2019 ISO New and Revised Multistate Optional Commercial Liability Umbrella and Excess Endorsements

Summary:  ISO is introducing numerous new and revised optional endorsements available to the Commercial Liability Umbrella and Excess programs, with a proposed effective date of December 1, 2019. Some of the optional endorsements will address emerging issues, others will provide customers with some long-awaited enhancements to the program, or others will simply provide additional options for underwriting risks. Many of the endorsements have the same or very similar changes that were needed to be consistent with new and revised underlying CGL endorsements that are concurrently being introduced.

Several new exclusion endorsements will address the emerging risks of marijuana, e-cigarettes, unmanned aircraft and genetically modified organisms, as well as the addition of earth movement exclusion endorsements. In addition, a number of new exclusion endorsements are being made available with respect to existing programs or coverages, including wrap-up programs, liquor liability BYO (bring your own alcohol), cross suits liability, hired auto liability, owners and contractors protective liability, and endorsements addressing specific risks such as pharmacists, optical goods and hearing aid stores.