Commercial Umbrella Insurance
Does Umbrella Cover Additional Insureds on My GL Policy?
It depends on your umbrella policy. Many umbrella policies follow form and extend additional insured status to those named on your underlying GL — but you must verify this specifically.
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Does commercial umbrella extend to additional insureds on my policy?
GCs routinely require subs to name them as additional insured on both the GL and the umbrella. If your umbrella is ‘follow-form,’ it automatically extends AI status to those listed on your GL. If not, you may need a specific AI endorsement on the umbrella.
This matters because a GC named as additional insured on your GL but not your umbrella has no coverage from your umbrella if a claim against them exceeds your GL limit. The AI endorsement on the umbrella closes this gap.
When adding additional insureds at a GC’s request, ask your agent to confirm the umbrella AI status as well. Certificate of insurance should reflect additional insured status on both underlying and umbrella policies.
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