Thank you for sharing!

Your article was successfully shared with the contacts you provided.

ISO Coverage Form

Summary: Insurance Services Office (ISO) has developed a personal umbrella form DL 98 01 10 06 which can be used to round out an insured’s coverage portfolio. It is a true umbrella in that it provides excess limits following underlying coverage forms, and also provides coverage for situations excluded or not addressed by underlying forms.

This article gives a brief overview of the auto coverages of the personal umbrella form.

Topics covered:



What is an “auto”?

Liability coverage


Additional liability coverage


Because the form is a “late entry” into the number of umbrella forms already available, many carriers might well elect to continue with their existing forms. However, the advantage of the ISO form lies in the fact that the language is similar to that in the underlying ISO homeowners and auto forms. Therefore, much of the language has already been tested in the courts. Each individual company can determine whether to adopt the form, or portions thereof, as their membership with ISO allows. Individual companies also determine underlying limit requirements, deductibles, retention amounts, and coverage limits.

This premium content is locked for
Insurance Coverage Law Center subscribers only.

Start a free trial to enjoy unlimited access to the single source of objective legal analysis, practical insights, and news for the insurance industry.

  • Access the most current expert analysis and daily developments across jurisdictions
  • Solve complex research issues with expert tools and intelligence
  • Tap into insurance coverage expert guidance

Already have an account?
For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email [email protected].

ICLC Staff Writer


Copyright © 2022 ALM Media Properties, LLC. All Rights Reserved.

Live Chat